Quick heads up that might save you some headache - make sure you're keeping good records for next year too! The first year in a new house always has the most paperwork and receipts. I'd recommend setting up a folder (digital or physical) just for house-related expenses that might qualify for itemized deductions. Things like property tax statements, mortgage interest, home office expenses if applicable, and even home improvements that are medically necessary can sometimes be partially deductible.

Based on your numbers, itemizing is definitely the way to go! Even with a potential $2k property tax refund, you'd still be ahead by about $3k compared to the standard deduction. Here's a pro tip from someone who went through this exact situation - contact your county appraisal district directly to verify your homestead exemption status before filing. Don't rely solely on what your mortgage company tells you. The county can tell you exactly what exemptions were applied and when. Also, since you mentioned this is your first home, don't forget about any prepaid property taxes you might have paid at closing - those are deductible too if they're not already included in your 1098. Check your closing disclosure (CD) form for any property tax prorations. One more thing - if you do end up needing to amend later due to a property tax refund, it's not as scary as it sounds. Form 1040-X is pretty straightforward, and as long as you're honest about the changes, the IRS typically processes amendments without issues. Keep all your documentation organized - you'll likely be itemizing for years to come as a homeowner!

Has anyone had success with the "Get Transcript" tool on IRS.gov recently? Last time I tried it was super glitchy and kept logging me out.

I went through this exact same situation last year with my VA loan! Here's what worked for me: 1. Call the IRS Practitioner Priority Service line at 866-860-4259 if you have a tax professional who can help you. If not, try the regular transcript line at 800-908-9946 early in the morning (like 7 AM) - you'll have better luck getting through. 2. When you do get through, explain that you need an URGENT transcript for a mortgage closing. They have a process for expediting these requests for time-sensitive situations like home purchases. 3. Ask your lender specifically if they'll accept a "Verification of Non-Filing" letter for 2021 while you sort that mess out, and a "Record of Account" transcript for 2022 instead of the full return transcript. Some lenders are flexible on this. 4. If all else fails, see if your lender will accept a signed Form 4506-T that you can submit directly to the IRS with a note about the urgent closing date. Sometimes they can work with that. Don't panic - lenders deal with this stuff all the time and most are willing to work with you if you're proactive about communicating. Good luck with your closing!

i remember being in the same boat last year. dont worry its deffo happening

Congratulations on getting your 846 code! I can totally understand the anxiety after waiting so long. Everyone here is right - once that 846 appears with your deposit date, it's essentially locked in. The IRS has already processed everything and allocated your refund. The only thing that could affect it at this point would be if you have outstanding debts that could result in an offset, but even then the date itself stays the same. You should see your money hit your account on or slightly before the date shown. Try to relax and enjoy knowing your wait is almost over! 🎉

Something that might be helpful - the 570 code often appears when there's a discrepancy between what you reported and what the IRS has on file. This could possibly be related to income reporting, withholding amounts, or potentially address verification for newer taxpayers. I would suggest checking if you have access to your Wage and Income transcript for 2023. Sometimes comparing what's there with what you filed can reveal the issue. Also, the "as of" date on your transcript will sometimes update before your refund status changes. If you see that date move forward, it's usually, though not always, a sign that someone is actively working on your return.

Hey Raúl! I totally feel your pain - been there myself last year and it's maddening! 😤 The airplane analogy is perfect because that's exactly what it feels like. One thing that helped me was understanding that those dates (May 15, June 6) are more like "target dates" than hard deadlines. The IRS is still working through a massive backlog from changes in their processing systems this year. Since you mentioned being new to the country, there's a chance your 570 could be related to address verification or SSN validation - they're extra cautious with newer taxpayers. Did you file with the same address as on your Social Security card? The waiting game sucks, but from what I've seen in this community, most 570 codes resolve within 30-45 days. Keep checking your transcript weekly (usually updates Friday mornings) and look for that magical 571 code that releases the hold. Once you see that, your refund is usually just days away! Hang in there - your "coins" are coming! 💰

Another option is to speak with your state's Department of Labor. In many states, repeatedly failing to properly withhold required taxes can actually be considered a wage violation. I had a similar issue and filing a complaint with the DOL lit a fire under my employer's feet! Just make sure you have documentation showing you've made multiple attempts to get them to correct the issue. Most states have online complaint forms that are pretty straightforward.

Just curious - what states are involved here? Some states have reciprocity agreements that might make this less of an issue, while others are super aggressive about taxing remote workers. I had a nightmare situation with NY and CT taxes a couple years ago.