re: Form 4506t can't locate transcript

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I waited until April 15

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Should have done it around the 10th. I understand wanting to hold on to your money, but that is the busiest tax day of the year for the IRS, especially if you filed a

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paper return

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These always take longer to process.

If you are trying to close on May 31, you had to have known in April that a lender may need your tax return, so you should have used a little forethought and tried to make the process easier on the front end.

I'm not taking up for the IRS, but you've got to try to put yourself in a better situation on the front end if possible.