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As soon as your returns are processed, 3 - 6 weeks, the penalties and interest will show up on your transcript and the transcript will not be available until you returns are processed. You can file at the IRS office and have the agent put a time stamp on your copies. This will prove that you filed your returns. You can make a payment of the balance due, but the agent will not give you transcript with 0 balance because returns are not processed at the local offices. Your return will be mailed to the processing center, where it will be transcribed into electronic version, payments applied and interest and penalties added. You transcript will not be available for at least 3 - 4 for weeks.
Until your returns are processed it will show that no returns had been filed unless IRS already filed a substitute return for you and calculated the balance due. This usually happens if you do not file after years.
What clerk are you talking about? Bank agent or IRS agent? Loan/bank agents do not have access to your IRS information.
You can hand file your returns at your local IRS office, but your returns will not be processed right there right away. You may get a receipt that you made a payment of certain amount that will be credited to your account. You will not get a receipt that everything is paid off.
I do not know what your mortgage broker want. If he wants a transcripts of those filed returns, you may not have it by 22nd. A loan broker can access your credit report but he cannot access your IRS account. You will have to provide him with a transcript.
To estimate your penalty, add about 25% to your 2013 return, about 20% to your 2014 return and about 15% to your 2015 return.
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