Once you've been preapproved havent they already run your credit if so why do they charge you a credit report fee at closing?

Some brokers do a "preapproval" without running your credit. They base their answer on how you deem your credit is. It is very irresponsible of a lender to do In most cases the lender runs your credit early in the loan process.As a convenience to you, they do not charge you upfront.

If they did, they would also have to collect upfront for the appraisal, title work, automated underwriting findings, processing, underwriting, etc. Rather than charge you as each of these costs are incurred, the lender will normally collect most of these fees at closing.

I cant really gove you an answer,but what I can give you is a way to a solution, that is you have to find the anglde that you relate to or peaks your interest. A good paper is one that people get drawn into because it reaches them ln some way.As for me WW11 to me, I think of the holocaust and the effect it had on the survivors, their families and those who stood by and did nothing until it was too late.