To verify income. That's so silly. That just says what you made last year, not that you're still making that. Also, the same w/ a banking statement, although that's closer to accurate. You could have $20K in your bank acct on a certain day, but have 19K of checks against it not yet in, but as long as the $20K shows the day they check, you're ok. OTOH, you could have $1K in it & expect 20K of checks to be deposited the next day, but they'll only authorize the 1K. I call in advance now to let them know.

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Sharon