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If your return was accepted but now says "we may need more information," check if you claimed any of these credits, as they often trigger additional review: - Earned Income Tax Credit - Child Tax Credit - American Opportunity Credit - Premium Tax Credit (for health insurance) My return was held up last year because of EITC verification. Took almost 8 weeks total but eventually processed without me needing to do anything.
I work for a tax prep company, and EITC claims are getting extra scrutiny this year. The IRS is definitely taking longer on refunds involving credits. We're seeing average wait times of 5-6 weeks for returns with credits compared to 2-3 weeks for simpler returns.
I'm going through almost the exact same situation! Filed through FreeTaxUSA about 5 weeks ago, got the initial acceptance, then that dreaded "we may need more information" message appeared. Haven't received any mail yet either. Reading through these comments has been incredibly helpful - I had no idea about the identity verification delays when switching from a professional preparer to self-filing. That's probably exactly what's happening since we used H&R Block last year. The 21-30 day processing time Brandon mentioned gives me some peace of mind that we're still within normal range, even if it feels like forever when you're counting on that refund. Going to check out that Treasury Offset Program number Axel mentioned just to rule out any debt issues, and might try the taxr.ai tool if we don't hear anything in another week or two. Thanks everyone for sharing your experiences - makes me feel a lot less alone in this waiting game!
has anyone noticed that sometimes the "wheres my refund" tool doesn't update for days but then suddenly shows accepted and approved on the same day?? happened to me last year, nothing for 3 weeks then boom, money in my bank the next day! the systems dont always sync up right
I'm going through the exact same thing right now! Filed 16 days ago and still stuck on "Return Received." It's so frustrating when you're counting on that money for something important like your car repairs. From what I'm reading here and elsewhere, it sounds like the IRS is just swamped this year. I've been checking the "Where's My Refund" tool obsessively (probably not helping my stress levels), but it seems like 2-3 weeks is becoming the new normal instead of the usual few days. The advice about waiting another week before panicking seems solid. I know it's easier said than done when you need the money, but at least we're not alone in this! Fingers crossed both our returns get processed soon. š¤
I totally feel you on this! I'm in a similar boat - filed 19 days ago and still waiting. It's definitely nerve-wracking when you have expenses planned around that refund money. What's helped me stay (somewhat) sane is remembering that "Return Received" is actually a good sign - it means the IRS has your return and there weren't any immediate red flags that caused an automatic rejection. From everything I've been reading, the processing delays this year are pretty widespread and seem to be more about system overload than actual problems with individual returns. I've also been checking that tool way too often (guilty as charged!), but someone mentioned to me that sometimes it's better to check maybe once or twice a week max since the updates can be sporadic anyway. Here's hoping we both see some movement soon! š¤
Quick question for anyone who knows - does this mileage depreciation add-back work for other self-employed deductions too? I'm self-employed and take a home office deduction and some equipment depreciation. Would mortgage lenders add those back too?
Yes, mortgage lenders typically add back most forms of depreciation when calculating qualifying income for self-employed borrowers. This includes vehicle depreciation (either through the standard mileage rate or actual expenses method), equipment/machinery depreciation, and sometimes even a portion of home office deductions. The concept is that depreciation is a "paper expense" that reduces your taxable income but doesn't actually reduce your cash flow in the current year. Lenders are trying to determine your actual ability to make monthly payments, so they focus on cash flow rather than taxable income. That's why most loan guidelines allow underwriters to add these expenses back.
This is a really important topic that I think a lot of self-employed people struggle with. I've been through the mortgage process twice as a freelancer, and I want to emphasize something that some of the other commenters have touched on but bears repeating: there's a huge difference between legitimate business expenses and manufactured deductions. The math your mortgage officer explained is correct - lenders do add back depreciation components because they're non-cash expenses. But the key word here is "legitimate." If you're claiming mileage for trips you actually took for business purposes, that's fine. If you're making up miles or claiming personal trips as business trips just to qualify for a mortgage, that's fraud. I'd strongly recommend getting your actual business mileage properly documented and organized rather than trying to game the system. Keep detailed logs of business trips, save receipts, and make sure everything you claim is defensible if you're ever audited. The mortgage approval isn't worth the risk of IRS problems down the road. Also, consider working with a mortgage broker who specializes in self-employed borrowers - they understand these income calculations better than general loan officers and can help you present your financial picture accurately without cutting corners.
This is really helpful advice, especially about working with a mortgage broker who specializes in self-employed borrowers. I'm just starting out as a freelancer and haven't bought a house yet, but I'm already worried about how my irregular income and business deductions will look to lenders. Do you have any recommendations for how to prepare for the mortgage process early on? Like, should I be keeping different records than what I normally would for just tax purposes? And how far in advance should I start working with a specialized broker - is it something you do months before you're ready to buy, or just when you find a house you want? I feel like there's so much conflicting advice out there about self-employment and mortgages, and stories like the original post make me nervous about making mistakes.
To avoid this problem next year, I'd suggest printing and saving a complete copy of your tax return with all worksheets including 6251. I learned this lesson years ago and now keep both physical and digital copies of EVERY tax document. The digital copies go into a secure cloud storage folder so I can access them from anywhere when I need them.
This is a great reminder about record keeping! I'd also suggest setting up a dedicated email folder for tax documents and using it consistently each year. I forward all my tax-related emails (W-2s, 1099s, property tax statements, etc.) to a specific folder, and at year-end I download everything as PDFs. This way I have a complete digital trail that's searchable if I need to find specific information years later. I also use a simple spreadsheet to track key numbers from each year's return - things like AGI, taxable income, and yes, AMTI if applicable. Takes 10 minutes after filing but saves hours of hunting later.
William Rivera
Anyone know if the 2025 tax law changes will affect this at all? I heard some suspended deductions are coming back.
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Emily Sanjay
ā¢You're right! The current law has the TCJA provisions sunsetting after 2025, which means miscellaneous itemized deductions subject to the 2% AGI floor are scheduled to return in 2026. If that happens, employees might once again be able to deduct unreimbursed employee business expenses, including certain legal fees related to their employment. Of course, Congress could always extend the current rules or make other changes before then, so it's something to keep an eye on as we get closer to that date.
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NebulaNomad
I went through something very similar last year and ended up working with a tax attorney who specializes in employment-related legal expenses. One thing that really helped my case was documenting exactly how the harassment was impacting my work performance and income potential. The key distinction the attorney explained is whether the legal fees were incurred to protect your ability to earn income versus just for personal protection. In my case, I had to show that the restraining order was necessary to maintain my employment and earning capacity, not just for general safety. We ended up being able to deduct about 60% of the legal fees on my California return by arguing they were directly related to income production. The documentation was crucial - I had emails showing how the harassment was affecting my work, performance reviews that mentioned the impact, and even some lost client interactions due to the situation. Worth noting that California's rules are more favorable than federal right now, so definitely explore both angles if you're in CA. The investment in getting proper tax advice paid for itself in my case.
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