We have a difference of opinion in our bank regarding when we can request income verification. When loan officers take a real estate loan application, can they collect pay stubs, tax returns, bank statements so I can verify the information and give them a pre-approval. Or, do we do the application, send out early disclosures, and then have the customer come back in with this information and hope the pre-approval we issued using just the application is still valid? Seems like a lot of trips for the customer