A number of other Quorans have weighed in here but hereu2019s my 2 cents.Almost everyone has correctly noted that the lender will get your tax returntranscripts from the IRS to verify the income you claim on your W2s. This isbecause it is trivially easy to fake a tax return and a W2. If you were tosubmit a fake W2 with your application the transcript would come back withdifferent numbers from those you had submitted. Your loan would be declined onthat basis.That actually would be good news for you because if by some miracleu2014orsomeoneu2019s oversightu2014you actually got the loan the deception would come tolight after the loanu2019s funding. There are two possible outcomes the better ofthe two is that the lender u201ccalledu201d the loan meaning that they requiredimmediate repayment of the full amount.The second possible outcome is that they file both a civil and a criminalaction against you one for lender fraud one for submitting falsified federaldocuments.Meet your new best friend and cellmate Bubba. Be careful about how you pickup the soap.I infer from your question that you have a far bigger problemu2014that you havebeen earning money u201cunder the tableu201d for 8 years and have not been filing taxreturns at all. This will cause you some very serious problems eventually andpossibly soon. At some point the IRS will realize that you are a nonfiler.They will send you letters of increasing severity. Finally they will send anIRS agent to your home or place of business to begin the compliance process.If you donu2019t have documents to show your income and expenses they will filetax returns for you with their best estimate of what youu2019ve made and what youowe. When they add in the substantial penalties for failure to file alongwith interest on the amount owed youu2019ll be looking at a very large number.The IRS has a number of ways to enforce payment and they will use everythingthey have to do so. Iu2019ll say this again they WILL come to you. They arerelentless.Here is what I urge you to do. First contact an Enrolled Agent EA in yourarea. An EA is someone who is trained and licensed to represent taxpayersbefore the IRS. Your EA will help you prepare your delinquent taxes and getthem submitted. If you donu2019t have the money to pay theyu2019ll negotiate anInstallment Agreement with the IRS. They can also prepare and Submit and Offerin Compromise to the IRS. This is a deal where the IRS agrees to accept lessthan the full amount owing for settlement of your debt to them. They arrive atthe amount based on your current income expenses and financial condition.Sometimes the amount they accept is literally pennies on the dollar.Youu2019ll pay some fees for representation in this matter but since yourquestion was asking about buying a home I presume you have at least someliquid cash.Do this. Do it now. I wish you the all the best.Bubba will be heartbroken but heu2019ll get over it.EDIT The original requester added u201cAnyone know how I can find a crooked loanofficeru201d Even the most crooked loan officer on the planet will have to fund aloan that his company will ultimately sell to Fannie Mae Freddie Mac orGinnie Mae government loans. The ultimate investoru2014even u201cportfoliou201d lendersthat hold the loans they makeu2014must perform due diligence for their loan. Thatincludes making a u201cgood faith effortu201d to verify income. This falls under theu201cability to repayu201d rules enacted under DoddFrank in 2014.