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oan officers do not charge an application fee. It is essential to have a conversation with the loan officer to double-check everything in the application to avoid errors, such as incorrect names. Getting pre-approved is crucial, and receiving a pre-approval letter from a lender is typically free of charge. Stephanie, an experienced loan officer, emphasizes the importance of homebuyer education and mortgage financing. While application fees are not always free, most loan officers do not charge them.
