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BORROWER PORTAL

TAX RETURNS

When verifying tax returns are filed, there are several options that work in obtaining transcripts.
Here are the best and easiest options available for you to choose from.

The main options that are generally acceptable for authenticating taxes are:

Order your transcripts online using the Get Transcripts tool on IRS.gov.

Provide proof of payment (cancelled check) or refund (deposit in bank account) of the amount matching the tax liability for that year.

Additional options include (but may not be generally acceptable):

  1. Proof of IRS Payment Plan for taxes owed. Online Payment Agreements (OPA) are not acceptable unless the OPA contains all of the following information:
    • Your name
    • Monthly payment amount
    • Tax year
    • Total balance due
  2. An IRS form 9325, with the following requirements met:
    • Box 1 must be checked
    • The electronic filing services section in box 1 must show a CPA or Tax Preparer’s name.
  3. You can View Your Tax Account Information, an additional IRS online resource that provides current payoffs, outstanding balances, and payment histories.
  4. Provide a notice of tax filing from a Taxpayer Advocate Service representative:
    • Tax Payer Advocate Service (TAS) is an independent organization within the IRS and assists tax payers concerning a variety of tax issues.
  5. Written verification from the IRS or a third-party tax software vendor (ie. TurboTax) showing the return have been accepted.
    • A mobile device screenshot is acceptable, provided the information matches the returns.
  6. Copy of signed 1040’s showing an “Official Received Date Stamp” on page 1 of the tax return.
    • Only IRS Taxpayer Assistance Centers (TAC) can provide this. See the Taxpayer Assistance Office Locator for locations.

Home Buyers Guide

Buying a home is an exciting journey and our Loan Officers make your home buying experience as smooth as possible. From contract to the closing table, our home buyer’s guide covers the entire process. Reference this guide as needed throughout the mortgage transaction. Our goal is to make you comfortable and informed.

If you still have questions about your home buying options, feel free to give us a call at 888-781-0899.

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