It should a simple screenshot and email, maybe 30 seconds of work. 10 seconds fi your new company gave you a printed copy. 

When I complete a ReFi I print out a sheet with nearby comps and make it clear I know the neighborhood.

Another common strategy with internet advertising is to bury high fees in the small print, and/or use a wonky down payment, or something else that no one ACTUALLY does. 74.91% LTV corresponds to a down payment of 25.09%.

It is not fine print.

Is there free software that makes it easy to create and send to applicants so they can complete, design, and return all without printing and ideally on their phones?

I got a Heloc on my investment condo, no problem from Penfed.FYI, many military/gov credit unions seem out of reach but you can join with side memberships. read their fine print.

I Georgia, some counties have informational print outs that are a great start to understand the laws and regulations.

From a homeowner standpoint, Is the extended warranty worth the paper it is printed on?

I have the spread sheet rental ledger printed to show them once again they are late.

Read the fine print!