This is similar to how construction permits work with lenders - they need official verification, not just proof of submission. For mortgage purposes, think of IRS amendments like this: submitting is step 1, but processing is step 2, and lenders almost always need step 2 completed. Unlike regular tax returns where e-file confirmation is often sufficient, amendments are treated with much more scrutiny by underwriters. If your timeline is tight, you might consider asking the lender if they'll accept a conditional approval with a post-closing condition related to the amendment, which is similar to how they handle other documentation sometimes. Every lender has different risk tolerance levels though, so what worked for one person might not work for another.

You might possibly be able to use Form 9946 (IVES Request for Transcript of Tax Return) which could, in some circumstances, provide verification that might satisfy certain lenders. This form essentially allows a third party (usually your lender) to request your transcript directly. The benefit is that the transcript would potentially show the "received date" of your amendment, even if it hasn't been fully processed yet. I'd recommend asking your loan officer if they're familiar with this option, as it's somewhat less commonly used but could potentially resolve your situation without waiting for full processing.

I can clarify what's likely happening here. The IRS verification process has multiple stages: 1. Initial submission verification (basic identity check) 2. Income/wage verification (comparing what you reported vs. what employers reported) 3. Credit verification (for certain credits claimed) You likely completed step 1 online, but now they're asking for step 2 or 3. Here's what to do: 1. Check the letter number (top right corner) 2. Respond to the new letter exactly as instructed 3. If calling, mention you already completed the online verification 4. Ask specifically which verification this new letter is for Don't worry - this is frustrating but normal this year. Your refund isn't lost, just delayed.

According to IRS Publication 5027 on Identity Theft Information for Taxpayers, you should respond to each verification request separately. As a contractor myself, I've found we get extra scrutiny because our income reporting is more complex. The IRS has been implementing new verification procedures under IRC §6103(c) which allows for multiple verification steps. I suggest keeping copies of all verification confirmations and requesting a Taxpayer Advocate if this continues beyond the second verification.

Check your bank statements. Sometimes credits appear with different labels. Look for "TREAS" payments. They might be there. Also check if you had tax offsets. Child support? Student loans? Federal debts? These can intercept credits. The BFS handles offsets, not IRS.

Have you verified if the credits were actually approved on your account? When you look at your transcript, do you see exactly $1,400 for the first payment and $600 for the second payment listed as credits? What date does your transcript show for these credits being issued? Have you checked if they were perhaps sent as paper checks to a previous address?

I'm not sure if this is relevant, but do you happen to know if Navy Federal treats these deposits differently based on account type? I have a checking account with them and was wondering if maybe savings accounts might process differently or if business accounts have different timelines?

My Navy Federal DDD was March 8th last year, and SBTPG took their fees on March 6th at 10:23am. The deposit showed as pending in my Navy Fed account on March 7th around 3pm, and was fully available on March 8th at 12:01am. The exact same pattern happened for my wife's return which had a DDD of February 22nd this year - fees taken, then pending deposit about 24 hours later. You're right on track for a normal timeline.

I've been around this sub long enough to see the NetSpend timing question come up every tax season. Here's what I've gathered from hundreds of posts: about 60% get it a day early, 30% get it on the exact DDD, and about 10% experience a delay of some kind. I had NetSpend for years and personally always got mine early, but there's always those outlier cases where something weird happens. Just prepare yourself mentally for the actual date on your transcript, and if it comes early, consider it a bonus!

Have you tried checking the NetSpend Facebook page? According to their customer service posts on there, they release Treasury deposits as soon as they receive them, which is often before the official date. The IRS Direct Deposit info page (https://www.irs.gov/refunds/direct-deposit-limits) also mentions that while they provide a specific date, your financial institution determines exactly when funds become available. Might be worth giving NetSpend a call directly.