Mortgage Loan appl question

[robert]

[Hmbre97]

How are you going to "fudge" your taxes? They're going to want to see the actual tax return you filed more than likely.

[kpc01]

You should have to provide copies of the last couple years 1099 or W2 so I don't think you could get away with it. We even paid off a credit card just before a refinance hoping to help but they still could see that it was only a few weeks earlier. Seems like they can see just about everything from what I could tell

[2011GT]

Don't fudge anything. They'll ask for all your tax returns for the last x amount of years. My last home buying experience sucked hard, I almost gave up.

[Big A]

Laws have gotten stricter recently, not only is "fudging" your taxes a bad idea, it's also illegal.

[robert]

Last 2 years returns with schedules submitted,
All income W2's pay stubs and deductions are included nothing missing.

[Pokulski-Blatz]

Dang, I wouldn't want to knee dip anything.

[LANTIRN]

Man I don't rememberthe mortgage process being hard at all. I was pre approved very fast over the phone with my bank. When it came time to actually sign for the loan and buy the house the only pain in the ass parts were with the real estate agency, inspector, seller, etc.

[lowthreeohz]

Why would you submit factual info then fudge it? if you're having to fudge your numbers to qualify, should you even be buying?

and agree with above, i was pre-qualified in like 15minutes and nothing was hard about the purchase at all.

[talisman]

This thread confuses the hell out of me.

[Strychnine]

if you're having to fudge your numbers to qualify, should you even be buying?

that

[SVT Lurch]

Laws have gotten stricter recently, not only is "fudging" your taxes a bad idea, it's also illegal.

Ding.

if you're having to fudge your numbers to qualify, should you even be buying?

This too.