First--I'm not a CPA and I haven't seen your tax returns--it's entirely possible that your taxes were correctly done. Check with whoever did them. And, sure, file an amended return if it's appropriate.
But your lender has no right--repeat NO RIGHT--to make that request/demand. You provided your tax return so that the lender could verify claimed expenses and income. They can do it as-is. They are way overstepping their bounds by suggesting or directing you to amend your return. Further, even if an error was made by your tax preparer, that doesn't affect either your income or expenses. Your lender received what it needed to make a decision on your loan. Errors--if they even exist--are between you, your tax preparer, and the IRS.
Also, get your Realtor involved. But--without a doubt--report the lender to whatever state regulatory agency oversees its actions.
Exposure is the tool that keeps folks and lenders, honest.
The choice a buyer makes regarding lenders can have real consequences.
Choosing a lender who will complete the underwriting for the buyer before making a purchase offer avoids these ambushes that damage the buyer AND the seller.
Lenders to whom is refer are those that will provide the buyer a "Clear-to-Close" before spending money on inspections and appraisals. "Clear-to-Close" means YOU HAVE THE MONEY.
Kick your lender to the curb.
If you need to be referred to a lender who will invest in your FIRST, give me a call.
Sounds like in the situation you describe, you have not secured financing. If that is a contingency in your purchase offer, you may be off the hook.
The second exit is a repair requirement that the seller refuses to address. In Florida purchase contracts there typically exits a 'seller sole discretion' clause.
You most likely will get your deposit back, meanwhile your lender has caused irreparable harm to the seller.
Please choose your lenders wisely.
Best of Success,
Annette Lawrence, Broker/Associate
Remax Reattec Group
Palm Harbor FL