This is a legal issue. The advice that you should never put a pen to their PFS is a good. The point is that if you go to court and say "they lied about x", the borrower could always say "I didn't say that. You added that after I signed it." Try to keep what the borrower submitted and signed (attested to) separate from what you evaluate and modify.
Filling Out Financial State-Customer Signature
As long as the borrower signs their personal financial statement, is it OK for the lender to fill out everything else in their handwriting? I remember being taught at a different job that a lender should never put their pen to the borrower's PFS. But as long as the borrower signs it then what is the harm?
First published on 03/18/2018