If the lender pays any attention to the news, they should be aware that the IRS is severely backlogged and still has a couple of million paper-filed 2020 tax returns that they have not processed. Ask the lender what they will accept in lieu of a transcript of your 2020 tax return, since there is nothing you can do to make the IRS move any faster. The IRS has said that they hope to clear the backlog of unprocessed tax returns by the end of 2022.
