I'm searching for info on e-signatures and found this post. Randy, agree that tax returns are easily altered, but we require all borrowers to sign the copy of the tax returns they provide for underwriting, to attest that it is a true and correct copy. My understanding this is a common practice, our examiners expect to see signed tax returns, personal financial statements, P&Ls, etc. I am interested if this is no longer the case.
My second question on this topic, are banks accepting electronic signatures (typically through a pdf feature) on these types of borrower provided documents, or do you require wet signatures?