You can apply online now or print the 1003, fill it out and fax it in.  The fastest way to get the answers you need is to pick up the phone and give me a call.  In the time it takes you to dial the phone, I can help you decide whether or not you can qualify for a loan, whether its time to refinance or not, and after a short conversation even show you the best way to get it done.  Most loans are based on 3 things: Income, Debt, Credit Scores (FICO).  Anyone or any advertisiment that says different is quoting without all of the facts.  Which means the quote is basically useless.  (The low rate got you to call them!)  Once they find out the facts the quote may be drastically different.  You might end up in a loan product not right for you!  
Don't take the low rate bait!!  Call now!!