Me and my fiance got approved trough Vanderbulit mortgage for 135,000. my fiance makes 80,000 a year but owes 5,000 in taxes to the irs. We have set up a payment plan and having been paying on it for two months will we get denied the loan. I have the credit and he has the income. Can you give me some advice on what to do. we have two children and was thinking we could pay our debt off by claiming them and lettting the irs take it for what we owe.