For many of us, the idea of buying or refinancing a home is terrifying… not just when thinking about years of commitment, but right from the first step in the loan process – the application. It’s big, it’s detailed and it requires that you bring all sorts of documentation to the table, but is it really THAT bad? Loan pro Julie Bannon has been front and center during AnnieMac Home Mortgage’s transition to the new Universal loan application, and she’s with us this week to break through the rumors, concerns and paranoia about these apps that plagues many first-time borrowers. Get the 411 on what to expect when you fill out your first (or next) loan application on this week’s show!