The lender may submit an application package to WHEDA® for manual underwriting. Submit the preapproval application using the Preapproval Application Checklist (Home Form 6d). A fee will be charged to the lender but will be refunded if the loan is funded by WHEDA within one year of the date of preapproval. If the application is preapproved, a Preapproval Certificate will be issued and will be valid for ninety days. (See the Home Origination Manual, Special Programs Chapter for details.)