Best of Luck!
If you filed 2011's & 2012's, and they can be verified by the IRS, you should be fine... however the IRS just started accepting them at the end of January, so they may be a couple weeks away from being able to verify you filed yours.
Lenders just need to see the most recent 2 years of tax returns, so I could see why they may have initially were requesting 2010 & 2011, because they thought 2012's were filed yet, but if you tell them that 2012's were filed then they should be able to provide a new one that only verifies 2011 & 2012's.
If you need the IRS to expedite the processing of your tax returns you can contact the IRS Taxpayer Advocacy Service (TAS) at http://www.irs.gov/uac/Taxpayer-Advocate-Service-6 and let them know you are in the middle of buying a home and you need the tax returns to be processed ASAP. I've had my clients use that in the past and it cuts down on the time it takes to process... usually to around 3 weeks (so I guess it's in line to what the IRS is already telling you).
Alternatively you could go to your local IRS office and ask them to stamp a copy of your tax returns as the ones you've filed, not all lenders will accept that, but some will... so ask your lender if they'll accept those before you take the time to go to the IRS office.
Shane Milne | Lending in all 50 states | NMLS #81195
shane@thebesthomeloans | 949-273-4161 direct
Rodney Mason, NMLS #151088
Sr Loan Officer
825 Juniper St NE, Atlanta, GA 30308
Office: (404) 591-2453
Apply Online at http://www.rodneymason.com
Licensed in Alabama & Georgia with over a decade of lending experience.
Prospect Mortgage offers a full selection of mortgage programs including:
Conventional | FHA | FHA 580-639 FICO | FHA 203K Renovation (Streamline & Consultant) | HomePathÂ® | HomePathÂ® Renovation | HomeStyleÂ® Renovation | VA | USDA | GA Dream | Jumbo Financing.