Auto dialers, without consent of the recipient, is illegal.

If another lender obtains docs from another lender that's okay too, they can also assign an entire loan file with your consent, with you being the borrower.The point about verifications, (not your financial statements) lender's should never allow a borrower to touch them between the lender and parties to verify anything.If you give a borrower a VOD (deposit) to go have filled out, they could fill it out and return it later.You need to ensure that in the audit trail verifications of employment, assets, liabilities, other loans, rental agreements, mortgage history, tax returns (from the IRS, not returns provided) and such matters where information obtained is a basis to justify making the loan, are all sent out and received without the borrower having access to these verifications.You can obtain information directly from trusted sources, but don't allow any borrower to intercept such information as it is then tainted. :)

Each of the terms below as applicable shall be deemed essential to this financing contingency and Buyer shall not make application for any mortgage financing the terms of which would differ or deviate from the requirements set forth below that would be adverse to Seller’s interest without Seller’s express prior written consent.

The only way to be compliant is to get prior written opt in consent from the receiver.

Getting eviction notice, seller informs lender that he/she has transferred an interest to the property with lender's consent, triggering due on sale clause in the mortgage documents.   

One time an applicant told us we would find "statutory rape" in his record, but explained that it happened when he was 16 and his girlfriend was 15 and they had sex by mutual consent.

(b) Except in cases of emergency or when the tenant has abandonedor surrendered the premises, entry may not be made during other thannormal business hours unless the tenant consents to an entry duringother than normal business hours at the time of entry.

In the event Seller pays a commission under a listing agreement and Broker, with the consent of buyer, is to receive any portion thereof, that portion shall be credited against Buyer's financial obligations to Broker.The offer is for less than $20,000.

Also, noticing how the real estate contracts are worded in certain states, it seems as if many states have a no assignment clause or I would have to get written consent from the seller prior to assigning the contract( at least when dealing with on market properties. )Any advice would be greatly appreciated.

The buyer can look into the records and see that the city did not pass inspections on it and you run into the risk of them driving by and seeing that you've made these renovations without their consent.