So I was denied for a zip code mismatch and went directly into reconsideration. Was asked to fill out a new 4506t. The loan officer directed me to put the physical address of the business and then the address we listed on the tax return. We use our home address for mail.

Well, while I was waiting I called the IRS to send me a copy of my business transcripts. Only took 2 weeks… but I had moved to a new address. So they updated my address in their system.

When tax transcripts came back and if you look down below it says my taxes were filed using the old address but it also has my Nee address on it.

I got a call from a loan officer saying she was approving me… great news! Then I got the call 5 minutes later denied because they don’t understand the new address.

I gave the SBA copy of my taxes, copy of the transcript highlighted where it shows the old address as well, proof of my physical address, our lease from the old house, our purchase agreement for the new house, our lease for the business, our Secretary of State info that shows the business address and my home address, etc

I’m sure there are more documents I gave them too….

Now I’m sitting in reconsideration waiting…. And waiting…. Over an address when my transcripts are sitting right in front of them with both addresses!