YES.

 You will be asked to submit an application fee after your loan request
 is pre-qualified. This fee will be fully refunded to you at closing,
 however, the fee will not be refunded if you fail to close on the mortgage.

 We will pay all closing costs associated with your mortgage including
 appraisal fee, credit report, bank fees, bank attorney fees, and charges  for lean search and recording UCCs.

 You may have to bring funds to closing should you not borrow enough
 to fund all the required expenditures. This includes balances on all your
 current mortgages, interest due on your current mortgages, fees owed
 to your current lender, prepayment penalties for your current mortgages,
 and any outstanding income taxes, judgments and leans. The lender  could require you to pay any open collection accounts as  well as
 recent charge-offs that appears on your credit report.

 You must prepay the first month's interest on your new mortgage.

 Finally, in the event that the appraisal on your home does not
 substantiate the required value, the final amount of the loan could differ
 from that on the initial preapproval.

 We will be happy to assist you in projecting your funding requirements.

 Rates for the Zero Cost program average .375% higher than
 rates offered if you pay all closing costs.