<prompt> Human: My wife and I are interested in a small house selling for 115k. We have 15k for a down payment. My wife works under the table but we can show her bank deposits for 3600 a month for almost a year. I work a basic full time retail job, my net pay is about 1000 a month. This puts our total income at 4600 a month. The only income we can provide a tax document for is mine, which is 1000m. Is a mortgage even something we would be considered for? Or will they laugh us out of the bank. Assistant: So you are saying she isnt paying taxes? That isnt legal. You cannot claim it as income and you should REALLY consider filing taxes.Human: We havent yet. We will eventually but until then can the bank count it?  <response>: No, pay tax on it than use your tax documents. 