1. A mobile electronic device comprising: a camera configured to capture at least one of a photograph or a video of a product; a location determining system configured to determine geographical information associated with the at least one of the photograph or the video; a memory configured to store one or more modules; and a processor configured to execute the one or more modules, the one or more modules, when executed, causing the processor to: retrieve product information associated with the product from at least one server over a communication network; generate digital content comprising the at least one of the photograph or the video and metadata including the geographical information and a time characteristic and a date characteristic corresponding to the product, the digital content representing a physical condition of the product; aggregate the product information and the digital content with applicant information to generate a commercial application relating to the product, the commercial application comprising an application for services from a remote entity comprising at least one of a lending entity, an insurance entity, or a third-party service entity; cause transmission of the commercial application to a central server, the commercial application accessible to the at least one of the lending entity, the insurance entity, or the third-party service entity, wherein the at least one of the lending entity, the insurance entity, or the third-party service entity utilizes the metadata to validate the geographical information and the time characteristic and the date characteristic corresponding to the product and utilizes the digital content to validate the condition of the product prior to providing a decision pertaining to the commercial application.