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 T4 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 4Select one: a. All the responses b. II, III, IV and VI c. I, II and III d. I, II, III, IV and VI