will my lender be able to get a tax transcript during the shutdown and if not will the IRS delay this process?

Most lenders have a temporary requirement that every file will need 2 years completed federal tax returns.. and they are waiving the 4506T to be executed PRIOR to closing, however they will run the 4506T once the shut down is over and compare it to the tax returns provided for accuracy. So this shutdown should not have any effect on your closing.. this is assuming your using conventional financing or FHA / VA financing.. if your using USDA, then you will not be able to finalize your deal until the shutdown is over.. 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. 480-287-5714 WilliamAcres.com

You should talk to the lender that you are using directly to verify

Most lenders will accept 2 years of IRS 1040 return at closing.

Check with your lender...most have a temporary policy to accept 2 yrs returns signed by borrower and signed 4506-T in the file and not delay closing.Good luck....feel free to contact me if you have any further questions..

Check with your lender. Some are waiving the requirement to have transcripts prior to closing.

Seems like most lender are looking at each file individually, if you have pretty straightforward application you should be okay. Good luck!

Lenders can NOT obtain tax transcripts during the shutdown. However, most lenders have a temporary exception policy and will accept 2 years of tax returns and signed 4506-T on a case by case basis. They will verify the tax returns you provide as soon as the shutdown is over. Except for USDA loans, there should be no delay in closing.