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Docs to Verify Income or Tax Returns Required?

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Question: 
We have a married couple wanting to fill out a home loan application. They state that they do not have any copies of their tax returns. Can we use the other documents to verify income or are the tax returns required?
Answer: 

Depends on whether you are underwriting to Appendix Q standards or ATR and what your bank policy stipulates.

First published on 10/13/2019

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