Can 2013 tax transcripts be pulled before April 15th once filed?

[BrandedFab]

Hello everyone!

As I stated in one of my previous posts, I have quite a few businesses expenses that severely dropped my DTI so I am going to try to close on my new build after I file my 2013 taxes. If I want to close around February will they be able to pull my transcripts that early?

[ShanetheMortgageMan]

The earlier you file the sooner the IRS will be able to process them.  The IRS estimates it takes 8-12 weeks to process the returns and be entered into the system where a 4506t will verify, but I imagine if you file on the very first day you can you may beat the bulk of the filers and be processed fairly quickly.  I had a client file their 2011 returns in early August of last year and by the end of August the IRS had already processed them, so it's possible.

[BrandedFab]

---

@ShanetheMortgageMan wrote:

The earlier you file the sooner the IRS will be able to process them.  The IRS estimates it takes 8-12 weeks to process the returns and be entered into the system where a 4506t will verify, but I imagine if you file on the very first day you can you may beat the bulk of the filers and be processed fairly quickly.  I had a client file their 2011 returns in early August of last year and by the end of August the IRS had already processed them, so it's possible.

---

Awesome! Thanks Shane!! Will the lender only pull my 2013 transcripts or both 2012 and 2013?

[ShanetheMortgageMan]

2012 & 2013.

[BrandedFab]

---

@ShanetheMortgageMan wrote:

2012 & 2013.

---

Awesome. Thanks for your speedy responses!

[ShanetheMortgageMan]

Welx.