What document is primarily used to certify that the information in a loan application is true and complete?

The Certification and Authorization Form serves as a specific document where the borrower confirms the accuracy and completeness of the information provided in the loan application. By signing this form, borrowers affirm that all the information included in the loan application is correct to the best of their knowledge, and they authorize the lender to verify that information. This process is crucial in the underwriting and approval of the loan, as it assures the lender that the applicant is providing truthful and sufficient information needed to evaluate their creditworthiness.

In contrast, the Good Faith Estimate and Loan Estimate provide borrowers with information about the costs associated with the loan but do not serve the specific function of certifying the truthfulness of the application. The Uniform Residential Loan Application is a document where the borrower provides their information, but it doesn't serve as a formal certification; it is primarily a tool for collecting data for the lender's use. Therefore, the Certification and Authorization Form is specifically designed for the certification of the loan application's information.