You are prohibited from requiring verification docs prior to issuing the GFE.
Some of us take that out to mean, even if the borrower brings docs in at time of application, don't even look at them till after the GFE has been issued.
That way you cannot be confused by items that appear as a condition of the Offer to Purchase.
Remember, the GFE is only supposed to reflect the normal costs of getting the LOAN, not purchasing the specific property.