best practices for completing irs form 4506t... · form 4506-t is an internal revenue service (irs)...
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Genworth Mortgage Insurance Corporation ©2017 Genworth Financial, Inc. All rights reserved.
Best Practices for Completing IRS
Form 4506TTax Transcripts
February 2017
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24506 Transcript Review
Form 4506-TForm 4506-T is an Internal Revenue Service (IRS) document that is used to
retrieve past Federal tax returns, W-2, and 1099 transcripts that are on file with the
IRS. The document gives permission for a third party to retrieve the tax payer’s
data.
The tax payer must sign and date the 4506-T. The form is good for 120 days.
With the IRS 4506-T you can order 1040, 1120, 1065, W-2 and 1099 transcripts
If you are requesting the transcripts & have received the borrower’s tax returns
please verify for any discrepancies!
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Form 4506-T
4
The most common reason why the
IRS will not process an order is that the
address does not match the tax year
that is requested on the form.
– List previous addresses for the applicant
on Line #4 of the 4506-T.
Another reason for not processing an
order is that the signature is “illegible”
– Make sure all information is large and
readable
– See additional tips in our reference
section
4506 Transcript Review
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4506-T Options
5
Line 6 Transcript Requested
– Enter the tax form number here (1040, 1065, 1120,
– etc.)
– You must check an option by making the box
– Let’s review the options…
4506 Transcript Review
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4506-T Options
6
Options- 6 A
– This option will not alert you to any
updates/amendments the tax payer
has filed.
4506 Transcript Review
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4506-T Options
7
Options- 6 B
– This option details payments made,
penalties accessed, and adjustments
made after the filing
4506 Transcript Review
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4506-T Options
8
Options- 6 C
– This option contains the most detail. It is
a combination of options A & B.
– This is how an amended return would be
detected
– Follow your Company policy on which
option to choose
4506 Transcript Review
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Did they file a Tax Return?
94506 Transcript Review
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Did they file a Tax Return?
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http://www.irs.gov/uac/Interactive-Tax-Assistant-(ITA)-1
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4506-T Options
11
Option- 7
– This option verifies that there was no tax
returned filed.
4506 Transcript Review
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4506-T Options
12
Option- 8
– This option provides detailed data
contained on a tax payer’s W-2.
4506 Transcript Review
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Example
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Example
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ExampleReview ALL W-2’s reported
Review history of Interest Income & Dividends to determine if they
are suitable to use as Qualifying Income
154506 Transcript Review
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ExampleIf using Alimony as Qualifying Income-verify it has been
paid as agreed
Has a Schedule C been filed?
164506 Transcript Review
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Schedule C•Do you have to check the
an AUS?
•Did you complete a Cash
Flow Worksheet?
•Is there a cash flow loss?
•Is the Income stable & usable
as qualifying income?
•Is it the same business
activity?
174506 Transcript Review
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ExampleIf using IRA distributions, Pensions or Annuities as Qualifying Income
verify past history of receipt and probable continuance.
Has a Schedule E been filed? Check for-
– Rental Properties
– K1’s from trusts, partnerships, LLC’s & S Corps
– CMO’s (collateral mortgage obligation)
184506 Transcript Review
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Example- Schedule EHow many properties are owned
& financed?
What is the Net Cash Flow?
Did you Verify current property
related expenses?
Did you verify current actual
expenses vs. previous itemized
allowable expenses?
Current taxes
Current Insurances (*Flood)
HOA…
194506 Transcript Review
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Example- Schedule EIs there business activity listed?
Do they have ownership in a
Partnership, S Corp, Trust?
Do you have the corresponding
K-1?
204506 Transcript Review
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Example- K-1What is the % of Ownership?
Does the K-1 indicate a cash
distribution has been made to the
tax payer?
Do you need to review the issuing
Business Entities Return?
214506 Transcript Review
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Example- Business ReturnDoes the Business have positive
sales & earnings trends?
Is the Business liquid/solvent?
Did you complete a Cash Flow
Analysis and Trend Analysis?
224506 Transcript Review
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Example
Is there a Schedule F filed?
– Profit or Loss
– Is it on the Subject Property?
Did the tax payer declare Unemployment Compensation?
– Were they unemployed seasonally?
– Does the 1003 indicate a gap in employment?
Has SS been received?
– Temporary or permanent?
– Is the benefit taxed?
234506 Transcript Review
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Review Adjustments to Income
244506 Transcript Review
•Expenses
•Self Employment Indicator
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Example
254506 Transcript Review
Unreimbursed Employee Expense
– Do they have to be used to reduce the Borrower’s Qualifying Income?
– Review 2106 Form to Calculate Total Expenses
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Fannie Mae Guidelines 4506-T Form must be signed only once during the application process
– The timing is at the lender’s discretion but it must be signed on or before the closing of
the mortgage loan
– The Lender must document the requirement to obtain an executed IRS Form 4506-T with
the IRS in their written quality control (QC) plan
– The borrower may need to complete multiple forms for different types of returns
– If the form is executed prior to closing it must be used to validate the income
documentation provided by the borrower and used in the underwriting process.
When completing lenders must
– Fill in as the recipient of the tax documents — either its name or the name of the servicer,
if servicing will be transferred within 120 days of the taxpayer signing the form;
– Indicate that the request is for documentation concerning the year or years for which the
borrower’s income was or will be used in underwriting the loan; and
– Date the form with the date on which the borrower signs the form (or ascertain that the
borrower dates the form when he or she signs it)
• Note: The borrower should not be required to sign an IRS authorization form before all items on the
form, including the transcript being requested, the years/tax periods, and the date, have been
completed.
4506 Transcript Review
B3-3.1-06: Requirements and Uses of IRS Form 4506-T (10/24/2016)
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Freddie Mac’s Guideline
274506 Transcript Review
Page five of matrix
February 2017 Documentation Matrix
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Freddie Mac’s Guideline- 4506TREVISION NUMBER: 07062017
DATE: 07/06/2017
REVISION REMARKS: THIS CONTENT WILL BECOME EFFECTIVE ON 07/06/2017.
5302.5: IRS Form 4506-T requirements for all income and asset qualification
sources (Future effective date 07/06/17)
All Borrowers, whose income is used to qualify, must sign Internal Revenue
Service (IRS) Form 4506-T (or an alternate form acceptable to the IRS that
authorizes the release of comparable tax information) on the application date and
again on the Note Date, except that if the Form 4506-T obtained on the application
date is submitted to the IRS and tax transcripts are received back from the IRS,
Seller is not required to obtain an additional Borrower signed Form 4506-T.
If submitting the Form 4506-T to the IRS, the Seller must ensure that the IRS
receives the form prior to the form's expiration date. The Seller must retain the tax
documentation received back from the IRS in the Mortgage file.
28Fannie Mae’s DU Refi Plus
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Your form may be rejected IF:
The form or an item on the form (e.g. name, TIN, address, etc.) is illegible.
The form is altered - there is evidence that an entry was changed with white out, lined through, or
written-over, or if there is any indication of cutting and pasting. Clarifying an illegible entry is not
considered an altered entry. However, adding additional information, such as tax periods, (some entries
typed, some handwritten) is considered altered.
Line 1a - No name is listed.
Line 1b - The first Social Security Number on tax return or Employer Identification Number is missing
or, is less than nine digits.
Line 5 – Any part of the Delegate’s name, address, Secure Mail Box Number, and fax number (10 digits)
is missing or incomplete.
Line 6 –More than one tax form number (1040, 1065, 1120, etc) is listed or if no tax form is listed for
business requests.
Line 6a/b/c –One of these boxes is not checked or if multiple boxes are checked, and a determination
cannot be made of which single product is requested.
Line 8 - The box is not checked and there is no indication of what type of document is being
requested.
Line 9 –No Year or Tax Period is listed.
• -Signature of the taxpayer or an authorized person does not match the taxpayer name on Line 1a,
2a or 3 or if one or more signatures is missing - Except when a power of attorney is attached.
- Date is not within 120 calendar days of the IRS Received Date or is not dated at all.
- Address provided does not match the address shown on the last tax return filed.
294506 Transcrit Review
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4506-T Additional Tips*Use a fresh form for each consumer. Do not use copies, or forms that have been faxed multiple times.
Using the form from within the credit file ( which has information filled out already) would be the best
choice.
* Ensure the 4506-T is a full size, clean and straight scan with no print lines, light spots, or blurring.
*Use a standard font to fill out forms (Arial, Courier, Times Roman). With a standard font, it is easier for us
to make an edit without the appearance of being altered. This includes orders rejected for address where
we make corrections.
** Line 5 needs either needs to be completely blank, or must contain the vendor’s info
** Do not list multiple products on Line 6. If you will be ordering both 1040 and W-2's it would be best to
leave that line blank.
** Do not check multiple boxes on Lines 6-8. If you will be ordering multiple products (1040 and W-2), it is
best to leave the boxes blank. If you do check a box, keep the check mark inside the box.
** On Line 9, list all 4 years- 2013, 2014, 2015 and 2016. Adding a hand-written year to years that are
typed will cause rejection. We will circle the years needed. Please leave the circling to us- if you circle, it
will be
304506 Transcript Review
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324506 Transcript Review
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334506 Transcript Review
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Genworth Resources
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mi.genworth.com/LenderServices/Underwriting
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354506 Transcript Review
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Training Tools and Information
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Monthly Webinar CalendarsCourse Catalog
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Calculation Tools
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Monthly Webinar CalendarsCourse Catalog
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Genworth Rate Express® Updated!
4506 Transcript Review 38
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Genworth Rate Express
394506 Transcript Review
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404506 Transcript Review
GENWORTH RESOURCES
ActionCenter®: 800 444.5664
Your Local Genworth Underwriting Manager
Your Genworth Account Executive or Manager
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414506 Transcript Review
Legal Disclaimer ,Genworth Mortgage Insurance is happy to provide you with these training materials. While we strive for accuracywe also know that any discussion of laws and their application to particular facts is subject to individual interpretation, change, and other uncertainties. Our training is not intended as legal advice, and is not a substitute for advice of counsel. You should always check with your own legal advisors for interpretations of legal and compliance principles applicable to your business.
GENWORTH EXPRESSLY DISCLAIMS ANY AND ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WITHOUTLIMITATION WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, WITH RESPECT TO THESE MATERIALS AND THE RELATED TRAINING. IN NO EVENT SHALL GENWORTH BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES OF ANY KIND WHATSOEVER WITH RESPECT TO THE TRAINING AND THE MATERIALS.
Genworth Mortgage Insurance Offers A Comprehensive Suite Of Training
Opportunities To Boost Your Know-How, Benefit Your Bottom Line, And Serve Your
Borrowers Better. Visit mi.genworth.com To Learn More.
Collateral Underwriter®
or CU, Home Ready®
and Desktop Underwriter®
or DU are registered Trademarks of Fannie MaeHome Value Explorer (HVE) is a registered Trademark of Freddie MacLoan Product AdvisorSM and Loan Collateral AdvisorSM are registered Service Marks of Freddie MacActionCenter® and Rate Express® are registered Trademarks of Genworth Mortgage InsuranceSimply UnderwriteSM is a registered Service Mark of Genworth Mortgage Insurance