function checkForm() {

  var theMessage = "Please fill out the following required field\(s\) before submitting your request:\n\n\n";
  var errors = "";

  if (document.form.loanOfficer.value == "XXX") errors = errors + "    Loan Officer \n\n";
  
  if (document.form.Applicant.value == "") errors = errors + "    Applicant Name \n\n";
  
  if (document.form.DOB.value == "") errors = errors + "    Date of Birth \n\n";
  
  if (document.form.PropertyAddress.value == "") errors = errors + "    Property Address \n\n";
  
  if (document.form.City.value == "") errors = errors + "    Property City \n\n";
  
  if (document.form.State.value == "XXX") errors = errors + "    Property State \n\n";
  
  if (document.form.Zip.value == "") errors = errors + "    Property Zip \n\n";

  if (document.form.Phone.value == "" && document.form.AltPhone.value == "") errors = errors + "    At Least 1 Phone Number \n\n";
  
  if (document.form.EstimatedValue.value == "") errors = errors + "    Estimated Value \n\n";
  
  if (document.form.AmountOwed.value == "") errors = errors + "    Amount Owed \n\n";
  
  if (document.form.SecondMortgage.value == "") errors = errors + "    Second Mortgage \n\n";
  
  if (document.form.OtherLiens.value == "") errors = errors + "    Other Liens \n\n";
  
  if (document.form.TypeOfProperty.value == "XXX") errors = errors + "    Type of Property \n\n";
  
  if (document.form.strCAPTCHA.value == "") errors = errors + "    Please fill in the Security Code \n\n";
   
  if (errors != "") {
     alert(theMessage+errors);
     return false;
     }
  return true;
}