Form 4506T-EZ (October 2009) - mortgagemediation-2025

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  1. Click ‘Get Form’ to open it in the editor.
  2. Begin by entering your name as shown on your tax return in line 1a. If filing jointly, include the first name listed.
  3. Input the first social security number associated with the tax return in line 1b.
  4. If applicable, provide your spouse’s name in line 2a and their social security number in line 2b.
  5. Fill out your current address in line 3, ensuring all details are accurate for proper correspondence.
  6. If you have a previous address that differs from your current one, enter it in line 4.
  7. Designate a third party to receive the transcript by filling out line 5 with their name, address, and phone number if needed.
  8. Specify the year(s) of the tax return transcript you are requesting in line 6. Ensure this is completed before signing.
  9. Sign and date the form at the bottom. Remember that if sent to a third party, it must be submitted within 60 days of signing.

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Use Form 4506-T-EZ to request tax return information. Taxpayers using a tax year beginning in one calendar year and ending in the following year (fiscal tax year) must instead use Form 4506-T, Request for Transcript of Tax Return.
A tax return transcript usually meets the needs of lending institutions offering mortgages. Tax account transcript - shows basic data such as filing status, taxable income, and payment types.
IRS Form 4506-C authorizes you to request tax return transcripts directly from the IRS. Its used in conjunction with the IRSs Income Verification Express Service (IVES). For decades, its been the industry standard for verifying borrower income and detecting fraud in mortgage transactions.
As of 2025, lenders primarily rely on two methods to retrieve borrower tax transcripts: IRS Form 4506-C and IRS Form 8821. While both serve similar purposes, they differ in terms of their processes, fees, information, and borrower experience.
Use Form 4506-T to request any of the transcripts: tax return, tax account, wage and income, record of account and verification of non-filling. The transcript format better protects taxpayer data by partially masking personally identifiable information.

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A tax transcript is used to assist underwriters in verifying a borrowers sources of income and typically includes taxpayer information (name and Social Security number), filing status, adjusted gross income, taxable income, tax liability, credits, payments and account details.
For more information about Form 4506-T, visit .irs.gov/form4506t. Tip: Get faster service: Online at .irs.gov, Get Your Tax Record (Get Transcript) or by calling 1-800-908-9946 for specialized assistance. We have teams available to assist.

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