More Paperwork?

We've been dealing with Allen at Renar for a couple weeks now. We filled out a pre-qualification application and were tentatively allowed a certain amount of money. From there we chose a house model (seen in a previous post), a piece of land, options (porch, carpet upgrade, etc.). Today I got the actual loan application to fill out to get pre-approved. The real deal. This packet is a quarter inch thick, I'm not joking. Kinda puts me in a bad mood really just thinking about filling out every page. Blah.
Anyway we are excited cause we actually put some money down today, a good-faith portion of the downpayment I guess you could call it. Thats another thing. You have got to have some money for a downpayment on a house. No buts about it. 3% of the total loan is minimum. I hear that is what keeps most people from buying a home. The lot we want to build on is still pending whether its available from the seller. Its a quarter acre which is a pretty standard size around here. Allen seems to think its in the bag though. 911 Culpepper Ave. Sounds good to me.