Your bank are idiots.
There is no such thing as a digitally signed tax return.
There is an electronic postmark/proof of filing, that will be one of the pages of the PDF package if you print "all forms and worksheets."
The IRS transcript is 100% proof of what you submitted, and I have never applied for a loan or mortgage (or family and friends I know of) when the bank would not accept a printed copy of the tax returned signed in ink.
You need to contact this loan processors supervisor.
Your bank are idiots.
There is no such thing as a digitally signed tax return.
There is an electronic postmark/proof of filing, that will be one of the pages of the PDF package if you print "all forms and worksheets."
The IRS transcript is 100% proof of what you submitted, and I have never applied for a loan or mortgage (or family and friends I know of) when the bank would not accept a printed copy of the tax returned signed in ink.
You need to contact this loan processors supervisor.
What they probably want is IRS form 8879 which is a "e-file Signature authorization" form that authorizes a paid tax preparer ( electronic return originator (ERO)) to e-file a tax return on your behalf. It contains some information from your tax return, the efile pin (electronic signature) and your written signature.
<a rel="nofollow" target="_blank" href="https://www.irs.gov/pub/irs-pdf/f8879.pdf">https://www.irs.gov/pub/irs-pdf/f8879.pdf</a>
TurboTax is *self-prepared* so the 8879 form does not exist since you cannot "authorize" yourself to e-file your own tax return. Only a paid tax preparer would give you that form that e-files the return for you.
Some banks are years behind the times and still don't have a clue that many people e-file their own tax returns using tax software so they will not have the "required" 8879 form since it does not exist.
Or the bank clerk collecting documents is looking at an all-encompassing list. A friend of mine is doing a mortgage refi, and the lender keeps insisting on W-2 forms, even though my friend is self-employed, and has been for years.
The actual underwriter may know what is going on but you never meet the underwriter. The person you meet is basically a sales person working from a printed list of documents. My son-in-law had his downpayment funds in an investment fund that only issues statements every 6 months. The bank insisted on two consecutive quarterly statements. After telling them over and over again, they bank finally accepted two *identical* semiannual statements but they had to be notarized by the investment manager. Sigh.