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The main idea here is that a complete mortgage application under ALIENS requires key information about the property, the borrower’s ability to pay, and the value of the property serving as collateral. The property address identifies exactly which property is being financed and anchors valuation, title, and underwriting to a specific asset. The borrower's income shows the ability to repay the loan and feeds into the debt-to-income calculations lenders use to assess risk. The estimated property value establishes how much collateral backs the loan and informs the loan-to-value ratio, which influences terms and risk assessment. When all three elements—the address, income, and estimated property value—are provided, the application meets the completeness standard described by ALIENS. Therefore, including all three is the correct understanding of what constitutes a complete mortgage application.