It is usually a requirement of the automated underwriting system that the Lender uses, in order to verify the income, check for expense write-offs, etc. A big concern, here, is why the CPA would lie about the date the taxes were filed. I believe the lender will have a problem with that. You can ask BB&T if they would accept the information from the tax advocate directly, or in the past, I've known of people that have taken the tax returns to IRS in person and had them stamp EVERY PAGE and then taken that to the Lender .. in this case, though, where the taxes have already been filed and you're waiting for the transcript, you really can't refile. I would suggest your contacting a local lender in Richmond ...Jerry Mabry is the CEO of Village Bank Mortgage. Try 804-330-9800. That is the main number; I don't have his direct line. He will be honest with you and let you know if there's anything they can do or if you're out of luck without the transcripts. Also check with BB&T to see if there is any way to expedite things or if they can use the proof of filing ... Best of luck!