Brock: I think it's pretty clear from the consensus of the responders, that a purchase agreement is a verification document and can't be required for an application. HUD has made it very clear that you are required to issue a meaningful GFE as soon as possible. You don't need a purchase agreement to do that. You can ask for more info than 5 outlined in definition of an "application", but they can't be verification documents. It makes sense to me to know the term, type of loan, etc, (fixed or variable; 5, 10, etc. years; home equity, purchase, refinance), but that's about it.