What mortgage companies are available in Missouri for a loan that is hard to get financed because of un-reimbursed employee expenses?

Income calculation by underwriters is a formulaic process. They have worksheets from Fannie Mae stating what is allowable, what is not allowable, how to calculate ,etc. In this case, if the income analysis with the unreimbursed employee expenses is close, you could amend your taxes to reduce the amount you claim. That would cost you money in taxes due, but it could potentially get you your loan. Good luck. If you need more specific advice, please feel free to contact me.

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I am very familiar with the calculation for adding back for depreciation on mileage expenses. As well, there may be ways to structure the loan such that we can choose a 1 year average or a 2 year average whichever is most advantageous for you. I'm a direct lender in all 50 states. I would be happy to review your tax returns and see if there are any options which may have eluded others when assessing your situation.Robert Hanson240-752-7549robert.hanson@vantagepointbank.com