When you make the decision to buy a house, you will complete an application. An application is the information that you will submit to the bank that offers specific details about your income, family and any bills that you owe. You can submit an application at any time. Some applications can be submitted online, but if you want to speak with someone as soon as the application is completed, you need to go to the office to do the application. Some companies require a fee when you do an application. If more information is needed than what is on the application, then the lender will contact you. Some of the things that are listed an application include the income of anyone working in the home. You might have to list how many children you have. Credit information will also be needed on an application.