Now I am wondering when I am supposed to receive the GFE???  We applied for preapproval on Monday, but are not under contract as we are in negotiations with the seller still (fingers crossed!!!).  The 3.5% of loan closing costs were an estimate from my lender, who said that he couldn't work anything up until we know exactly what we are spending (purchase price plus renovations, etc.)  I'm reading alot of people receive GFEs immediately after pre-approval???  Or is it not until under contract?  Man, this is complicated!!!