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how long does it take irs to send transcripts to a mortgage lender

by lanababy309123 from Severn, Maryland. Apr 15th 2015 Reply


Ernesto Marez (Ernesto)
#68 ranked lender in Maryland - 137 contributions

it really depends on the IRS and when you submitted your tax returns.it could be as short as 2 weeks , however this time of year it could take longer for the IRS to process your returns.I have an office in Crofton and Annapolisfeel free to call me 443-537-9866 or emarez@thefederalsavingsbank.comErnesto

Apr 15th 2015
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William J Acres (William_Acres)
#74 ranked lender in Arizona - 8,728 contributions

It depends.. IRS Transcripts are ordered through a 3rd party service, but they rely on the expediency of the IRS.. Because we're right in the heart of filing season, Transcripts are taking longer than normal.. Things that will delay them even more.. If you have Obama Care insurance, If your self employed or your return is a complex return with multiple schedules, or if you are filing a 1040X (Amended return) these can all cause delay in the processing of your transcripts.. 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

Apr 15th 2015
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Ron Pippin (RonPippin)
#26 ranked lender in Utah - 158 contributions

it depend on where you are on the country and how busy the IRS is. I've received them back in one or two days but lately it's been taking several weeks. Unfortunately the mortgage lender is really has no control over the time it takes when it comes to the IRS.

Apr 16th 2015
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Scott Kinne (Skinne)
#27 ranked lender in Virginia - 74 contributions

The IRS has to process your return, and as the others have mentioned, at this time of year it can take 30-90 days in some cases. Lenders have no control over it. Once the IRS loads into the system the tax transcripts a lender can then use a third party company to order copies and they are usually received in 1-2 days in most cases. So if you wanted your 2013 tax return it would be available in 1-2 days, but if you just filed 2014 you need to wait for the IRS to do their job.......good luck with that! If you haven't yet filed a past return and need it immediately, you can call the IRS Tax Advocates Office and they can sometimes expedite a return if it is critical, such as for the purchase of a new home. This process usually takes 2-3 weeks if you stay on them! I lend in MD, DC, VA, & WV. Call me if I can assist further. Scott Kinne - V.P. - NMLS# 182351, First Heritage Mortgage - 703-293-6146.

Apr 16th 2015
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Derick Condron (rightstartoregon)
#30 ranked lender in Oregon - 598 contributions

You can login to the IRS website and pull your Tax transcripts instantly off their website. Ask the lender if they will accept them, they are the same they order

Apr 16th 2015
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You can reach out to the IRS and call inTo the accounts department and ask to have them faxed to you, the tax payer, directly.This normally takes less than 1 biz day for the tax payer.

Apr 15th 2015
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