Borrowers’ Certification and Authorization

(Here’s a sample Borrowers’ Certification and Authorization)

 

The undersigned certify the following:

 

1. I/We have applied for a mortgage loan from XXX Mortgage Co., Inc.  In applying for the loan, I/We completed a loan application containing various information on the purpose of the loan, the amount and source of the down payment, employment and income information, and the assets and liabilities.  I/We certify that all of the information is true and complete.  I/We made no misrepresentations in the loan application or other document, nor did I/We omit any pertinent information.
2.  I/We understand and agree that XXX Mortgage Co., Inc. reserves the right to change the mortgage loan review process to a full documentation program.  This may include verifying the information provided on the application with the employer and/or the financial information.
3. I/We fully understand that it is a Federal crime punishable by fine or imprisonment, or both, to knowingly make any false statement when applying for this mortgage, as applicable under the provisions of Title 18, United States Cod, Section 1014.

 

Authoization to Release Information

 

To Whom It May Concern:

1. I/We have applied for a mortgage loan from XXX Mortgage Co. Inc . As Part of the application process, XXX Mortgage Co. Inc and the mortgage guaranty insurer (if any), may verify information contained in my/our loan application and in other document required in connection with the loan, either before the loan is closed or as part of its quality control program.
2. I/We Authorize you to provide to XXX Mortgage Co. Inc and to any investor to whom XXX Mortgage Co. Inc may sell my mortgage, any and all information and documentation that they request.  Such information includes, but is not limited to. Employment history and income; bank, money and similar account balances; credit history; and copies of income tax returns.
3. XXX Mortgage Co. Inc. or any investor that purchases the mortgage may address this authorization to any party named in the loan application.
4. A copy of this authorization may be accepted as an original.
   
   

Borrower	Co-Borrower
SSN	SSN
Date	Date

A copy of borrowers certification and authorization.