Gross income vs pre tax income

[Geoff S.]

Some feedback please. I am in the initial stages of refinancing my existing primary home mortgage and loc. Lender verbally asked for gross income, current debt , home value info, etc. Numbers and credit were ok. Got approved but W2s are not showing gross income on box 1 because of pre tax healthcare deductions. This is a significant amount that I am being told will keep the process from moving forward. Lender says they cannot use 2014 year end pay info reflecting true gross income. Anyone else run into this situation and how might it be handled?