Home mortgage application question?

I am about to start the process for a home mortgage. I have to pay a $400 application fee. If I go through one particular bank and I'm denied the loan, do I have to repay the $400 application fee to ask for a loan from a different bank? Would it be wiser to go through a mortgage specialist to pay one fee and... show more I am about to start the process for a home mortgage. I have to pay a $400 application fee. If I go through one particular bank and I'm denied the loan, do I have to repay the $400 application fee to ask for a loan from a different bank? Would it be wiser to go through a mortgage specialist to pay one fee and have them shop it to many banks at once?? if thats how it works... Thanks
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