At what stage in the closing process are the tax transcripts pulled? In the beginning? Or when we are getting ready to close?

It depends on the lender, our company can close loans in as little as 10 days...on average 30 days. Pulling of the tax transcript is usually pulled somewhere in the middle of the process. If you are seeking a mortgage in Pennsylvania, you can contact me at: jason.bennett@movement.com NMLS# 147890

Typically, the lender orders them within a few days of file submission.. they can take up to 5 to 7 days to get them back and they must be reviewed by an underwriter upon final approval, so they need to order them as soon as possible.. I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. William J. Acres, Lender411's number ONE lender in Arizona. 480-287-5714 WilliamAcres.com NMLS# 226347

As part of speeding up the process I order the tax transcripts right away myself in the beginning of the loan process. That way we have them sooner in case we need them in time for your lifting contingencies per the seller's request...or should we run into an issue (occasionally happens) with the transcripts. Every issue that comes up is fixable but some can cause serious delays such as if someone did not sign their tax returns and so they came back blank!