All lenders verify all borrowersâ€™ filed tax returns with the IRS prior to issuing a final loan approval. Having an unfiled W-2 is a major fraud red flag to an underwriter. There is no way around this matter until the IRS can verify what has been filed with them. You can go to the IRS center located at, 2888 Woodcock Blvd. Atlanta, GA 30341. You need to do this in person and not by phone. You show up, pull a ticket number and wait to be called. I suggest you show up at 7:30am before everyone else. You should be able to go to your employer and get as copy of your w2. They must give you a copy immediately by law. Use the copy that they gave you and take it with you when you go to the IRSâ€™s office. I just had this happen with another client and it took three months to get resolved. As long as you filed your taxes then this can be resolved.
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Steve Pate, NMLS #102488
Southern Bank Homes
500 Pirkle Ferry Road
Cumming, GA. 30040
Office: (770) 888-8402 Ext.111
Southern Bank Homes offers some of Atlantaâ€™s finest foreclosed Homes. We give you the equity you deserve.
Crossroads Mortgage offers a full selection of mortgage programs including:
Conventional | FHA | FHA 203K Renovation (Streamline & Consultant) | HomePathÂ® |
HomePathÂ® Renovation | VA | USDA | GA Dream | Jumbo Financing