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Maybe the lender does not understand tax forms and schedules, so you might need to speak to their supervisor.
Here is what schedules 1 and 2 look like. If the data you entered for your 2020 tax return did not require the use of those schedules then they will not be a part of your tax return. You can print blank ones if you want to give them to the lender.
https://www.irs.gov/pub/irs-pdf/f1040s1.pdf
https://www.irs.gov/pub/irs-pdf/f1040s2.pdf
Thank you. I have confirmed that these schedules are full of nothing but zeroes. I guess I will try your idea of sending them blank forms. 🙂
Good luck. You are probably dealing with a lower level staffer who is just working from some sort of "check list" and who does not even understand what they are asking for.
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