When you turn in your application, you'll be required to pay a loan application fee to cover the costs of underwriting the loan. This fee pays for the home appraisal, a copy of your credit report, and any additional charges that may be necessary. The application fee is generally non-refundable.
When you replace a toilet, install a low-consumption model or a water saver. Standard toilets use 5 to 7 gallons per flush; “water-savers” use 3 to 4 gallons per flush; and new low-consumption models use 1.6 gallons, or less per flush. Until you replace your toilet, put a plastic bottle filled with water in the tank to cut down on water needed for a flush.