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By submitting this application you agree to the following: I (we) certify that the above statements are true and that no unfavorable information known to me (us) for herein has been omitted. I authorize you to retain this application as your property whether or not a contract is consummated, and make any investigation you deem advisable before or after the contract is made. If credit is denied, you are entitled to a clear and meaningful statement in writing of the reasons. I (we) also hereby authorize to release to the lendor for verification purposes, information concerning: Employment history, dates, title, income, hours worked, etc. Banking and savings account records. Mortgage loan rating (opening date, high credit, payment amount, loan balance, payment record, and maturity date). Any information deemed necessary in connection with a consumer credit report for a real estate secured transaction. This information is for Lender's confidential use in completing a mortgage loan application and may be used as a duplicate original. Your prompt reply will help expedite my real estate transaction.