Was speaking with a rep at a local credit union and at first told me I could very easily get a loan for a houseboat (only 30-60k not a huge loan) despite the fact that I report very little of my income if I would just start depositing all of my income into my bank account for a few months straight to prove that I make about 6k/mo. THEN TODAY I called her back to ask another question and she told me she was mistaken and no amount of deposit however high would ever matter to her or the bank because she said the bank will always refer to the tax returns as the most official source of information about my income????? Has anybody else encountered this issue/found a way around it????



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