Fill out 4506-T (Request for Transcript of Tax Return) online
Form 4506-T requests tax return transcripts, W-2 information, and other tax account records from the IRS. It is most commonly used during the mortgage application process, where lenders require borrowers to sign Form 4506-T so the lender can verify income directly with the IRS.
How to fill out 4506-T (Request for Transcript of Tax Return)
Enter taxpayer information
Fill in your name, Social Security number (or EIN), current address, and the address on your previous tax return if different.
Identify the third-party recipient
If the transcript should be sent to a third party (such as your mortgage lender), enter the name, address, and phone number of the designee on line 5.
Select transcript type and tax years
Check the type of transcript needed on lines 6a-6c (tax return transcript, tax account transcript, or record of account). Enter the tax form number and the tax years requested.
Sign and submit
Sign and date the form. If filing jointly, only one signature is needed unless the transcript is being sent to a third party (then both spouses must sign). Mail or fax to the IRS.
About 4506-T (Request for Transcript of Tax Return)
Who needs this form
Mortgage applicants (lenders require it to verify income during underwriting), taxpayers who need copies of prior tax returns or transcripts, and anyone needing verification of non-filing status from the IRS.
Where to submit
Mail or fax to the IRS at the address or fax number listed on the form for your state. Lenders may submit it on your behalf as part of the mortgage application. The signed form must be received by the IRS within 120 days of the signature date.
Source and content freshness
- Filing deadlines may shift for weekends and holidays. Verify due dates with official instructions.
Common mistakes to avoid
- Entering the wrong tax form number on line 6 (e.g., writing "1040" when you need "1040-SR" or "1040-NR")
- Not checking the correct transcript type (line 6a-6c) - tax return transcript vs. tax account transcript vs. record of account
- Signature more than 120 days old when received by the IRS, requiring a new signed form
- Using the wrong mailing address or fax number for your state
- Not listing the correct tax years (you can request up to 4 years per form)
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Why does my mortgage lender need Form 4506-T?
Mortgage lenders use Form 4506-T to obtain your tax transcripts directly from the IRS and verify that the income you reported on your loan application (URLA Form 1003) matches what you reported to the IRS. This is a standard part of the underwriting process for virtually all mortgage loans (conventional, FHA, VA, USDA). The lender compares the transcript data against your tax returns and pay stubs to detect any discrepancies.
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