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I recently purchased a new home. Part of that process involved filling out a mortgage application. I was overnighted a 15-page form that looked like it had been created on a pre-IBM Selectric typewrit

By Paul Rolich | Updated on August 31, 2007

I recently purchased a new home. Part of that process involved filling out a mortgage application. I was overnighted a 15-page form that looked like it had been created on a pre-IBM Selectric typewriter. My first thought was to wonder why any financial services institution would not distribute these things as a form-enabled PDF. Heck, even the IRS gives you PDFs where you can fill in the blanks. (The flip side of that is the IRS then automatically can extract your information from that PDF.)

Nevertheless, I wanted the house, so over lunch one day I filled out the stupid application form. What the mortgage company didn’t realize is I was the only child in my sixth-grade class who failed to get a Peterson writing certificate; I am terminally lazy, and I hate to fill out forms. Why should I bother to look up the exact balance due on my car loan when the mortgage company was going to look it up anyway? But I did my duty and returned a totally illegible form by return overnight mail.

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