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Let me take a guess here. You want a conventional loan and you are self-employed? Anyway, bank statements are far better to use than tax forms. Most people write as much as they can off and unless you know exactly what the underwriters can add back in for income before you file you're at a loss. It will mean a bump to the rate but try bank statements.. You'll likely have to try another lender . Getting an underwriter to forget what they have already seen is like telling the jury to forget about you saying you did it..
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