Thanks, Brad. What's happening here is that the underwriter is guessing what the mortgage company's investor will want to see so they can sell the mortgage.
Someone at the accounting firm made a minor mistake and put my net pay in the Compensation of Officers column, and put the withholding I'd deducted in with other taxes. It's a wash, but what's in the compensation column doesn't match my W2. If that requires filing an amended return, then I'd ask the accountant to not take the carryforward so everything will be cleaner, if that's what it takes.
I went through the corporate returns this morning to find any errors, and figured out where the compensation error came from. If I can figure it out, I don't know why an underwriter can't. Anyway, I called my buyer's agent in AL, and he's going to hook me up with a banker on Monday. The banker is who the agent sends clients to when they have complicated finances.
Further complicating things, my accountant's mother died Thursday evening. He's wrapped up in funeral arrangements and dealing with the estate, not to mention tax crunch time. He told me he can't do anything for me until after the 15th of April, which is too late for us to get an approval and close by May 1st.
As I said, going down there and renting will mean I don't get the $6500 tax credit, which would be the first time in my life I would ever get anything from the gubmint. I haven't even ever collected unemployment insurance. Add in another $1000 for moving from a rental home to whatever home we'd eventually buy, then add in any appreciation that might happen to home prices by 2011 and we could lose $10,000+ by waiting.
If it gets any more complicated, I think I'm just going to say screw it and stay where we are for another year.