So we just sold our house, and as I'm signing paperwork at the bank for pre-approval, I come to a document that gives the bank permission to pull my return from the IRS. I immediately was concerned b/c when they see the return, they'll see a good income and an almost ZERO adjusted gross income. I'm hoping that they'll see my monthly income from pay stubs and W2s far outweigh my monthly liabilities and shoot my application on through. Anyone have any experience with taking out large loans and having to present LM returns?