In order to close when tax returns haven't been filed and you still owe money, you are going to need to to file your tax returns with your local IRS office in person, get the IRS returns stamped, pay the money you owe, get the check you pay them stamped receipt by the IRS office, after the check has been cashed also need to get a copy of the cashed check from your bank, and you'd need to write a letter of explanation why the taxes weren't filed. Most lenders do NOT accept that though and will actually need to wait until your tax returns can be verified via a 4506t process, which can be verified about 4-8 weeks after you file your taxes. Bring this up to your LO today, and do not wait to be surprised.
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