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Thanks Rolf. What if I do a pre-approval in Dec, would this pre-approval be valid for further 6 months?

I am self-employed and I know my income for 2014 will be slightly less than 2013. Would it be better for me not to file tax returns until Jan/Feb next year so that I don?t have to show my 2014 income. Lenders have any cut of dates from which they would ask for 2014 tax returns?