Once you have decided to purchase your dream home and have selected a mortgage lender, it is now time to fill a mortgage application. Most people would wonder how to complete a mortgage application. It is not that difficult, once you have all the information at hand. There is a Uniform Residential Loan Application widely used in the mortgage industry. This is filled during the initial interview. When you submit this application, you will be required to pay an application fee, credit report fee and the appraisal fee.