[DTFdowntofund]

Davininc said it well. Remember, the point of having the signature on the application is to provide consent to allow credit to be run. If you just had a box that someone clicked, brokers would be fraudently having merchants credit run left and right. By using an e-sign service (DocuSign, Adobe-sign, etc..) you are showing proof that someone else consented (through ip capture, email paths, etc).

What he said. It's to validate the credit pull. There was an instance about 4 years ago that we pulled through Experian and the merch did not sign the app (I'm assuming the broker did) and we almost got sued. It's no joke, there are legal ramifications for fraduantly signing apps and docusign is a good way to fail safe against it.