Hello friends, I have an account in ING VYSYA bank. I apply for the internet Banking. They send the pin number but it is not working. Can any one give me a suggestion.

commercial loan

I found a mortgage company online that says they can help people with low credit scores and low down payments to buy a house, they sent me an application but the thing is it says i have to pay $69 to submit the application, is this a normal practice? am i just out this money if they end up not being able to approve me for the home loan? i just wanna make sure this isnt some kind of scam, it seems like a reputable company but im not sure, any thoughts?

commercial loan