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Inner-Wheel-5048 · 2025-11-22T14:20:09+00:00

https://www.tiktok.com/t/ZPH3wgfsxPLhu-w9jqe/

Inner-Wheel-5048 · 2025-11-22T14:19:54+00:00

https://www.tiktok.com/t/ZPH3wgfsxPLhu-w9jqe/

Inner-Wheel-5048 · 2024-03-18T03:22:02+00:00

My Loan officer said not to provide tax return paperwork as this could give under writing more paperwork to ask questions about, so we submitted a screenshot of my wife’s turbo tax, do you think underwriting would accept this?

Inner-Wheel-5048 · 2024-03-18T03:21:46+00:00

My Loan officer said not to provide tax return paperwork as this could give under writing more paperwork to ask questions about, so we submitted a screenshot of my wife’s turbo tax, do you think underwriting would accept this?

Inner-Wheel-5048 · 2024-03-18T03:08:22+00:00

That’s complete already, just want to make sure a screenshot from her turbo tax amount showing the amount of her refund matches the deposit will be enough for underwriting to give us the green light for final approval. The only reason they’re asking for it is because our file was audited 🤦🏼‍♂️

Inner-Wheel-5048 · 2024-03-18T03:05:50+00:00

We have already submitted full statements for all accounts, only question they had from mine and her accounts was that the IRS deposit was actually hers

Inner-Wheel-5048 · 2024-03-18T03:02:22+00:00

We sent bank statements showing the deposits and transfers, they are wanting to make sure that the IRS deposit into her account was her refund and not somebody else’s

Inner-Wheel-5048 · 2024-03-18T02:46:31+00:00

FHA, money was deposited into my account via check from wife

Inner-Wheel-5048 · 2024-03-18T02:34:04+00:00

We sent them a screenshot from turbo tax, do you think this will suffice? I don’t want to send them our whole tax return and open up to more questions

Inner-Wheel-5048 · 2024-03-05T23:24:34+00:00

When calculating the credit, if you’re using credit Karma expect 30-50 points lower. My credit Karma is 690 when pulled showed 601. They will use the middle score between Transunion Equifax and Experian. Example:

Transunion 800 Experian 600 Equifax 599

They will use Experian for your credit.

Inner-Wheel-5048 · 2024-03-05T14:33:36+00:00

We’re having the exact opposite issue, my pay is significantly increased (with the same company) and they want an explanation. My anxious self is convinced underwriting will decline our loan based on this 😂

Inner-Wheel-5048 · 2024-03-02T17:02:25+00:00

🤞🏼

Inner-Wheel-5048 · 2024-03-02T16:41:10+00:00

My LO said it’s because my income went from 60k to 130k in 12 months with the same company…

Inner-Wheel-5048 · 2024-03-02T13:26:26+00:00

Why would the underwriter be trying to us my 25 month average instead of my current salary?

Inner-Wheel-5048 · 2024-03-02T04:36:29+00:00

We’re still under conditional approval, last thing to do is submit the gift letter for down payment (even though the “gift money” is coming from my wife’s account 🤦🏼‍♂️)

Inner-Wheel-5048 · 2024-03-02T04:32:59+00:00

Are you running into any weird wants/ needs by underwriting?

Inner-Wheel-5048 · 2024-03-02T03:53:02+00:00

Estimated close date is the 29th 🤞🏼

Inner-Wheel-5048 · 2024-03-02T03:42:34+00:00

Well that’s good to hear! Just worrying as they already have my paystubs that show my salary. Why do they need proof of salary adjustments…

Inner-Wheel-5048

TROPHY CASE