“Certify that he or she … did not obtain the existing loan fraudulently.”
The whole reason these people are in mortgages they can’t afford is because they lied on the mortgage application. Does “certify” mean they now have to PROVE they didn’t? That would be awesome. I doubt it, though. They probably just have to sign a statement or something.
They should require you to submit a copy of a tax return showing the income as stated on the application. They won’t, because then the program would help almost no one.
