Personally, if it were me, I'd insist on full payment at some point. Is there a spot where you know you're getting approved, and it's just a waiting game? If so, then. If not, it'd be when I turned in your paperwork. From a buyer's POV, I wouldn't have any issue paying for it, with an assurance that if something DID go wrong, and I didn't get the stamp, I'd get my money back.
I don't see what the problem is. Everybody is being nice, and getting along, and I, for one, am learning stuff. So, if you don't like the discussion, don't look at the thread. Or, simply cut to the chase, and close it.
Is there an age limit for a thread, after which we kill it?