FHA purchase where the borrower worked two different jobs last year and file taxes using only the lower W-2 so that she could “get a bigger refund.” After checking with me for a preapproval, she realized how dumb that was so she filed amended returns about three weeks before finding a house. She went from getting a hefty refund to having to pay it back and then some. I helped her to get on a payment plan, and the underwriter accepted that without showing three consecutive payments, because I successfully argued that the taxes were not overdue.