Jordan never expected the mortgage application process to be so challenging. The bank assessing the application has asked for various documents to confirm Jordan's financial status, including information about income, assets, and debts. Some of the required documents include:

I. Proof of academic qualifications

II$.$ Confirmation of income, such as an employment verification letter

III. Evidence of income, including a recent pay stub or T$4$ tax slip

IV$.$ Direct verification from the employer regarding employment and current salary

V$.$ A criminal record check

VI$.$ A credit report

Which of these items do you think lenders need most when evaluating an applicant$$s mortgage eligibility?

Question $3$ Select one:

a$.$

I, II and III

b$.$

II$,$ III, IV and VI

c$.$

All the responses

d$.$

I, II$,$ III, IV and VI

NEW

$[9$:$43$PM$]$

Marek, age $80$ has moved into assisted living due to his health issues. His house had minimal updates over the years and his son recently noticed mold that may have contributed to his father's declining health. The property is now for sale. Their neighbour told them "they are not legally obligated to disclose any issues with the property, as the buyer$$s inspection report will state everything". The neighbour's statement is True or False regarding disclosure?