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We bought our current residence in 2006 and it has been our "primary residence" the entire time. In 2009 we rented another home briefly due to needing more room, but moved back into our home due to the inconvenience of paying both our current mortgage and the rent. One of the questions the LO asked us is if this has been our primary residence the entire time and I said "yes". Well, I started getting paranoid and did something really stupid. When I faxed over our W2's, three out of the four had our address as our current home except one which had the rental's address listed. WELL I whited it out and changed the address!! Well, now I feel horrible about it and I have confessed it to my priest. However, I know the loan officer will see the discrepancy if he looks at W2's he gets with our tax transcripts. I want to tell the LO what I did but I am afraid to do that and I am afraid they will deny the application due to this. I am so upset at myself for doing something like that. Here are the stats on our Financial info: - keeping our current home but will rent it out and move into the new purchase. - with our current mortgage/debt we are at 20% debt to income, with the new purchase we will be at 31% - $10,350 monthly income - $15,000 in bank, $7,600 is needed for the closing cost and down payment (price is 119k, with us putting 5% down) - we have both been employed at our current employers for 5+ years - the lessor median credit score the lendor is using is 697 (all my husbands were in the mid 700's) - bought a new car last month but that has not shown up on our credit score yet, and we are being asked to provide a letter of explanation for that as well.What do you guys think I should do? I feel so so guilty. Please help me figure this out. Thank you
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