You're correct. I did a poor job explaining in my original post. I'm getting pre approved for a loan to buy another home after selling the current home. The document was so the bank could verify my tax return with the IRS....I guess to have proof I didn't lie about income. The LM return still proves my income is what I say it is. The AGI may throw up a red flag. However, I would think they see all kinds of tax returns in their line of work and a reduced taxable income (by deduction or reduction) shouldn't be unorthodox. And yes, I did sign the document. I assumed I wouldn't get approved without signing. I should've asked.