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I agree, in part. There are some exceptions though, per example this particular file:
15 years in the same industry, but 4 months on the new job. Hourly Rate is $11.00 per hour, but client will receives 8 hours OT per week, which is an extra $572/month. Is it, in your opinion, unethical to:
a. Inform client they must wait un until they have a full year's history of OT
b. "State" the income to reflect the OT
c. As oppose to being a "Loan Officer", be a "Salesman" and sell my client on a product/program from a Lender who will use a current stub w/the OT, but even on a "full doc" loan can't compare to another Lender's "Stated" product/program.
Such a thin line.........
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