What does signing the Borrower Certification and Authorization give the lender access to?

Signing the Borrower Certification and Authorization allows the lender access to the borrower's employment verification. This document is essential in the loan process as it helps lenders confirm the borrower's income stability and reliability. Employment verification provides information about the borrower's job status, length of employment, and income level, which are key factors in assessing their ability to repay the loan.

Accessing a borrower's employment information is critical for lenders to mitigate risks associated with lending money. It ensures that the borrower has a steady source of income and can meet monthly mortgage payments, thereby making it a fundamental part of the lending process. Other options, such as medical history, family background, and investment portfolio, do not typically fall under the standard data accessed through the Borrower Certification and Authorization; thus, they are not relevant in this context.