The latest tax return available for loan approval purposes is 2023.
IRS has not started accepting 2024 tax returns.
Not to mention that you don't have to file until Oct 15 2025 if you request an extension.
You can submit latest pay stubs to substantiate 2024 income.
You can submit notice of 2025 salary - perhaps showing a raise - to substantiate 2025 income.
@webguy2024
