Before you file your taxes, pause. If you’re even thinking about buying or refinancing this year and you don’t talk to your loan officer first, you’re gambling with your approval. Here’s what could happen: • Filing wrong can lower your qualifying income • Write-offs can kill your buying power • Fixing it later is slow, expensive, and sometimes impossible A 10-minute conversation before you file can save you months of frustration later in the year. Haley Hesselgesser, Mortgage Loan Officer Millennium Mortgage Group NMLS #1786240 | NMLS #2690051 Equal Housing Lender For informational purposes only this is not a commitment to lend or extend credit. All loans are subject to credit approval, income verification, and underwriting review. Program availability, terms, and eligibility requirements may change without notice.