You may contact any member of the Mortgage Department staff if you have questions regarding the application process.

Transcription

1 Mortgage Loan Information Thank you for expressing an interest in your credit union s mortgage loan programs. We look forward to being of service to you. Please take time to read over the following information before completing your application. APPLICATION PROCESS You may submit your application and supporting documentation (see checklist below) in person at the BayPort Mortgage Center, located at 2107 Hartford Road, Hampton, VA The mortgage department is open to members from 9:00 AM to 5:00 PM, Monday through Friday. We are also available by telephone from 8:00 AM to 5:00 PM, Monday through Friday. If you are unable to visit our office, you may take your application to any of BayPort s branch offices*, or you may mail your application to the attention of the Mortgage Center. All applications, excluding pre-approvals, will require a appraisal fee, which can be withdrawn from your BayPort Account with your permission or a check made out to BayPort Credit Union. This fee cannot be collected until 3 days after your Good Faith Estimate of Closing Costs & Truth In Lending Disclosures on those applications received prior to Oct 3 rd 2015, and on effective applications received on or after Oct 3 rd 2015 the TILA-RESPA Integrated Disclosure has been mailed to you. Only after your appraisal fee has been collected will mortgage department staff order the appraisal. This fee is non-refundable. (Occasionally the appraisal fee exceeds , depending on circumstances. Mortgage department staff will contact you if additional funds are required to pay for the appraisal.) PLEASE NOTE: A 5.00 share account balance must be maintained as long as the mortgage is outstanding with the Credit Union. All borrowers and co-borrowers must each have a primary account in their name at the time the loan application is submitted. Each savings account must be in good standing and maintain a minimum balance of at least If mortgage payments will be set up for automatic transfer, the account balance must be such that the transfer will not reduce the savings balance below the minimum required balance of Overdraft options will not be exercised for mortgage payments. MORTGAGE DEPARTMENT STAFF You may contact any member of the Mortgage Department staff if you have questions regarding the application process. Loan Origination/Application: Don Maderios (757) Tim Branson (757) Jeanie Ragland (757) Loan Processing: Jacola Greene (757) Stephanie Dye (757) Monica Hughes (757) Kelly Kranz (757) General Information: April Royster (757) Mortgage Underwriter: Madoline Wallace (757) Loan Closing: Karin Yearwood (757) Katie Noble (757) Jennifer Michalak (757) Mortgage Center Manager: Jennifer Little (757) Vice President of Mortgage Lending: Marissa Lovingood (757) Toll free number for use outside the Newport News/Hampton area: (800) (Ask for the staff member to be contacted, or enter the last four digits of their extension). *Actual branch offices only. Credit Union Service Centers are not able to accept mortgage loan applications. Revised: 9/21/15

2 Loan Application Supporting Documentation Checklist The following information will be required to complete your mortgage loan application. As you gather this information, place a check mark () beside the items collected. By returning copies of the requested documentation and forms, along with this checklist, you can save time in the processing of your mortgage loan application. If you are completing the application jointly, all information must be provided for both the borrower and co-borrower(s). FOR ALL TRANSACTIONS (including Pre-Approvals): - Pay stub(s) for the most recent 30-day period, showing year-to-date earnings and deductions information - A copy of the previous two years W-2 s for each borrower or 1099 s - Copies of your last two years federal tax returns, with original signatures and all supporting schedules - A copy of award letters/statements to verify any additional income (i.e., Social Security, Disability, Retirement) - A copy of your last two months account statements for each checking, savings, or other deposit account listed on your loan application (including Money Market accounts, CD s, etc.) - A copy of your latest stock and/or bond statements IF THIS IS A PURCHASE TRANSACTION: - A copy of the signed sales contract (and any addendums, if applicable) - A copy of the Realtors Multiple Listing of property or legal description from the seller or listing agent IF THIS IS A REFINANCE TRANSACTION: - Letter regarding the purpose of your refinance (cash-out refinances only) - A copy of your latest mortgage loan balance statement, showing the current unpaid principal balance owed - A copy of your existing Deed or Deed of Trust with legal description - A copy of the declarations page from your hazard insurance policy (and flood insurance policy, if applicable) IF THIS IS A VA TRANSACTION: - Your original Certificate of Eligibility (Or, a copy of your DD-214 or Statement of Service) OTHER DOCUMENTATION YOU MAY NEED: Self-employed applicants must also furnish: - A signed year-to-date profit and loss statement for your business Applicants owning investment/rental property must also furnish: - Copies of the executed leases for these rental properties Applicants that are divorced and wish for alimony, child support, or separate maintenance income to be considered as a basis for repayment of the loan must also furnish: - A copy of the recorded divorce decree - Proof of receipt of payment of the above qualifying income covering the last 12 months (i.e. copies of bank statements showing regular deposits, cancelled checks, a history of payment from the Clerk of Court, etc.) Applicants that are applying for a construction/permanent loan must also furnish: - A copy of the plans and specifications - A copy of the contract with the builder and/or others, indicating the cost of all improvements - A copy of your Deed, Building Permit, and Well and Septic Permits, if applicable Revised: 9/21/15

3 This application is designed to be completed by the applicant(s) with the Lender s assistance. Applicants should complete this form as Borrower or Co-Borrower, as applicable. Co-Borrower information must also be provided (and the appropriate box checked) when the income or assets of a person other than the Borrower (including the Borrower s spouse) will be used as a basis for loan qualification or the income or assets of the Borrower s spouse or other person who has community property rights pursuant to state law will not be used as a basis for loan qualification, but his or her liabilities must be considered because the spouse or other person has community property rights pursuant to applicable law and Borrower resides in a community property state, the security property is located in a community property state, or the Borrower is relying on other property located in a community property state as a basis for repayment of the loan. If this is an application for joint credit, Borrower and Co-Borrower each agree that we intend to apply for joint credit (sign below): Borrower Amount VA Conventional Other (explain): FHA USDA/Rural Housing Service Interest Rate Subject Property Address (street, city, state & ZIP) % Co-Borrower Agency Case Number No. of Months Fixed Rate GPM Other (explain): ARM (type): Lender Case Number No. of Units Legal Description of Subject Property (attach description if necessary) Year Built Purpose of Loan Purchase Construction Other (explain): Refinance Construction-Permanent Property will be: Primary Residence Secondary Residence Investment Complete this line if construction or construction-permanent loan. Year Lot Acquired Original Cost Amount Existing Liens (a) Present Value of Lot (b) Cost of Improvements Total (a + b) Complete this line if this is a refinance loan. Year Acquired Original Cost Amount Existing Liens Purpose of Refinance Describe Improvements made to be made Cost: Title will be held in what Name(s) Source of Down Payment, Settlement Charges, and/or Subordinate Financing (explain) Manner in which Title will be held Estate will be held in: Fee Simple Leasehold (show expiration date) Borrower s Name (include Jr. or Sr. if applicable) Co-Borrower s Name (include Jr. or Sr. if applicable) Social Security Number Home Phone (incl. area code) DOB (mm/dd/yyyy) Yrs. School Social Security Number Home Phone (incl. area code) DOB (mm/dd/yyyy) Yrs. School Married Separated Unmarried (include single, divorced, widowed) Dependents (not listed by Co-Borrower) no. ages Married Separated Unmarried (include single, divorced, widowed) Dependents (not listed by Borrower) no. ages Present Address (street, city, state, ZIP) Own Rent No. Yrs. Present Address (street, city, state, ZIP) Own Rent No. Yrs. Mailing Address, if different from Present Address Mailing Address, if different from Present Address If residing at present address for less than two years, complete the following: Former Address (street, city, state, ZIP) Own Rent No. Yrs. Former Address (street, city, state, ZIP) Own Rent No. Yrs. Name & Address of Employer Self Employed Yrs. on this job Name & Address of Employer Self Employed Yrs. on this job Yrs. employed in this line of work/profession Yrs. employed in this line of work/profession Position/Title/Type of Business Business Phone (incl. area code) Position/Title/Type of Business Business Phone (incl. area code) If employed in current position for less than two years or if currently employed in more than one position, complete the following:

4 Name & Address of Employer Self Employed Dates (from to) Name & Address of Employer Self Employed Dates (from to) Monthly Income Monthly Income Position/Title/Type of Business Business Phone (incl. area code) Position/Title/Type of Business Business Phone (incl. area code) Name & Address of Employer Self Employed Dates (from to) Name & Address of Employer Self Employed Dates (from to) Monthly Income Monthly Income Position/Title/Type of Business Business Phone (incl. area code) Position/Title/Type of Business Business Phone (incl. area code) Base Empl. Income* Rent Overtime First Mortgage (P&I) Bonuses Commissions Dividends/Interest Net Rental Income Other Financing (P&I) Hazard Insurance Real Estate Taxes Mortgage Insurance Other (before completing, Homeowner Assn. Dues see the notice in describe other income, below) Other: B/C Notice: Monthly Amount This Statement and any applicable supporting schedules may be completed jointly by both married and unmarried Co-Borrowers if their assets and liabilities are sufficiently joined so that the Statement can be meaningfully and fairly presented on a combined basis; otherwise, separate Statements and Schedules are required. If the Co-Borrower section was completed about a non-applicant spouse or other person, this Statement and supporting schedules must be completed about that spouse or other person also. Completed Jointly Not Jointly Description Cash deposit toward purchase held by: List the creditor s name, address, and account number for all outstanding debts, including automobile loans, revolving charge accounts, real estate loans, alimony, child support, stock pledges, etc. Use continuation sheet, if necessary. Indicate by (*) those liabilities, which will be satisfied upon sale of real estate owned or upon refinancing of the subject property. List checking and savings accounts below Name and address of Bank, S&L, or Credit Union Name and address of Company Payment/Months Acct. no. Acct. no. Name and address of Bank, S&L, or Credit Union Name and address of Company Payment/Months Acct. no. Acct. no. Name and address of Bank, S&L, or Credit Union Name and address of Company Payment/Months Acct. no. Acct. no.

5 Name and address of Bank, S&L, or Credit Union Name and address of Company Payment/Months Acct. no. Acct. no. Stocks & Bonds (Company name/ number & description) Name and address of Company Payment/Months Life insurance net cash value Acct. no. Name and address of Company Payment/Months Face amount: Real estate owned (enter market value from schedule of real estate owned) Vested interest in retirement fund Net worth of business(es) owned (attach financial statement) Automobiles owned (make and year) Acct. no. Alimony/Child Support/Separate Maintenance Payments Owed to: Other Assets (itemize) Job-Related Expense (child care, union dues, etc.) Net Worth (a minus b) (If additional properties are owned, use continuation sheet.) Property Address (enter S if sold, PS if pending sale or R if rental being held for income) Type of Property Present Market Value Amount of Mortgages & Liens Gross Rental Income Mortgage Payments Insurance, Maintenance, Taxes & Misc. Net Rental Income Totals Alternate Name Creditor Name Account Number a. Purchase price b. Alterations, improvements, repairs a. Are there any outstanding judgments against you? c. Land (if acquired separately) b. Have you been declared bankrupt within the past 7 years? d. Refinance (incl. debts to be paid off) c. Have you had property foreclosed upon or given title or deed in lieu thereof in the last 7 years? e. Estimated prepaid items d. Are you a party to a lawsuit? f. Estimated closing costs e. Have you directly or indirectly been obligated on any g. PMI, MIP, Funding Fee loan which resulted in foreclosure, transfer of title in lieu of foreclosure, or judgment? h. Discount (if Borrower will pay) (This would include such loans as home mortgage loans, SBA loans, home improvement loans, educational loans, manufactured (mobile) home loans, any i. Total costs (add items a through h) mortgage, financial obligation, bond, or loan guarantee. If Yes, provide details, including date, name, and address of Lender, FHA or VA case number, if any, and reasons for the action.)

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7 Use this continuation sheet if you need more space to complete the Residential Loan Application. Mark f or Borrower or for Co-Borrower. Borrower: Co-Borrower: Agency Case Number: Lender Case Number: I/We fully understand that it is a Federal crime punishable by fine or imprisonment, or both, to knowingly make any false statements concerning any of the above facts as applicable under the provisions of Title 18, United States Code, Section 1001, et seq. Borrower s Signature Date Co-Borrower s Signature Date

8 Please complete and return this informational form to the Mortgage Department as soon as most of these questions can be answered: Name: Account No.: Your daytime telephone # Cell # Borrower address: Co-Borrower address: PURCHASE - Do you want to purchase Owners Title Insurance? YES NO - Do you want a Survey to be completed? YES NO (Owner s Title will not cover survey issues if declined.) REFINANCE - do you want to purchase Owners Title Insurance? YES NO - will you require a new DEED to be drawn at closing? YES NO (i.e. adding a name, removing a name, adding to a Living Trust) 1. I (We) do do not wish to have an escrow account set up with the Credit Union for the purpose of paying taxes and insurance. 2. CLOSING: Name of Attorney/Title Company: Address: address if preferred: Phone No.: Fax No.: TRID Approved: YES NO (If not please choose another closing agent.) 3. FIRE/HOMEOWNERS INSURANCE COMPANY: Agent: Phone No.: Insurance Company: Premium Amount: Date Next Due: 4. FLOOD INSURANCE COMPANY: Agent: Phone No.: Insurance Company: Premium Amount: Date Next Due: 5. TERMITE AND MOISTURE INSPECTION TO BE PROVIDED BY: Name of Company: Representative: Phone No.: Mailing Address: Date of Inspection, if known: I have received the information sheet concerning mortgage loans with BayPort Credit Union: Borrower Date Co-Borrower Date Revised: 1/26/16

9 Borrower s Authorization and Certification Certification The undersigned certify the following: 1. I/We have applied for a mortgage loan from BayPort Credit Union. In applying for the loan, I/We completed a loan application containing various information on the purpose of the loan, the amount and source of the down payment, employment and income information, and assets and liabilities. I/We certify that all of the information is true and complete. I/We made no misrepresentations in the loan application or other documents, nor did I/we omit any pertinent information. 2. I/We understand and agree that BayPort Credit Union reserves the right to change the mortgage loan review process to a full documentation program. This may include verifying the information provided on the application with the employer and/or the financial institution. 3. I/We fully understand that it is a Federal crime punishable by fine of imprisonment, or both, to knowingly make any false statements when applying for this mortgage, as applicable under the provisions of Title 18, United States Code, Section Authorization to Release Information To Whom It May Concern: 1. I/We have applied for a mortgage loan from BayPort Credit Union. As part of the application process, BayPort Credit Union, and the mortgage guaranty insurer (if any), may verify information contained in my/our loan application and in other documents required in connection with the loan, either before the loan is closed or as part of its quality control program. 2. I/We authorize you to provide to BayPort Credit Union, and to any investor to whom BayPort Credit Union may sell my mortgage, and to the mortgage guaranty insurer (if any), any and all information and documentation that they request. Such information includes, but is not limited to, employment history and income; bank, money market, and similar account balances; credit history; and copies of income tax returns. 3. BayPort Credit Union, or any investor that purchases the mortgage, or the mortgage guaranty insurer (if any), may address this authorization to any party named in the loan application. 4. A copy of this authorization may be accepted as an original 5. Your prompt reply to BayPort Credit Union, the investor that purchased the mortgage or the mortgage guaranty insurer (if any) is appreciated. 6. Mortgage guaranty insurer (if any): (Borrower s Signature) (Borrower s Signature) (Borrower s Signature) (Borrower s Signature) (Social Security Number) (Social Security Number) (Social Security Number) (Social Security Number) Revised: 9/21/15

10 Date: I/We, the undersigned borrower(s), hereby authorize the BayPort Credit Union Mortgage Loan Department staff to release copies of our Residential Loan Application, Financial Statement, and Commitment Letter to the closing attorney for the Title Company s underwriting purposes. I/We further authorize the Credit Union staff and/or closing attorney s office staff to request and receive on my/our behalf payoffs from our present mortgage holders, auto loan creditors, personal loan creditors and any credit card providers we may have in order to facilitate the closing of our loan. A photo static copy of this authorization will suffice in place of the original document. Borrower SSN Borrower SSN Borrowers present address Revised: 9/21/15

11 Notice Required under the Fair Credit Reporting Act EQUAL CREDIT OPPORTUNITY NOTICE In compliance with this Act, we are informing you that an investigative report may be made on you. If such a report is made, you have a right to make a written request, within a reasonable period of time, for an additional description of the nature and scope of the investigation. To save you the trouble of writing, we are furnishing you with the following: The nature and scope of the investigation made may include information obtained through personal interviews concerning residence verification, number of dependents, employment, occupation, general health, habits, reputation and mode of living. Notice Required under the Equal Credit Opportunity Act This Act prohibits creditors from discriminating against you on the basis of race, color, religion, national origin, sex, marital status, age (provided you have the capacity to enter into a binding contract); because all or part of your income is derived from any public assistance program; or because you have in good faith exercised any right under the Consumer Credit Protection Act. The Federal agency that administers compliance with this law concerning a creditor is the Federal Trade Commission, Equal Credit Opportunity, Washington, D.C , (202) You, as a borrower, have the following rights when answering questions: You do not have to reveal any information regarding courtesy titles, i.e., you do not have to state whether you are Miss, Mr., Mrs., or Ms. Your first name and surname (whether birth-given, obtained through marriage, or a combined surname) is sufficient. You do not have to reveal any information regarding the receipt of alimony, child support, or separate maintenance income if you do not choose to have it considered as a basis for repaying this loan. When answering questions pertaining to marriage, you only need to reveal whether you are married, separated, or unmarried. (Unmarried includes single, divorced, or widowed.) Certain information regarding your race/national origin and sex will be asked. This information is requested by the federal government in order to monitor compliance with Federal anti-discrimination statutes, which prohibit creditors from discriminating against applicants for these reasons. You do not have to give this information; it is voluntary. If you choose not to furnish this information, you must initial the application in the space provided. Your decision will in no way affect the approval or rejection of your application. Notice Required by the Right to Financial Privacy Act If you are applying for a FHA or VA loan, this notice is provided as required by the Right to Financial Privacy Act of The Department of HUD or a VA Loan Guaranty Service or Division (whichever is appropriate) has a right of access to financial records held by financial institutions in connection with the consideration or administration of assistance to you. Financial records involving your transaction will be available to the Department of HUD or a VA Loan Guaranty Service or Division (whichever is appropriate) without further notice of authorization, but will not be disclosed or released to another government agency or department without your consent except as required or permitted by law. Right to Receive Copy of Appraisal Report Acknowledgement ACKNOWLEDGEMENTS You have a right under federal law to receive a copy of the appraisal report completed on the subject property no later than tree (3) days prior to closing. By signing this document you are acknowledging that you have been notified of this right by the lender. Commitment Acknowledgement I do hereby acknowledge that the Lender will be bound to me/us only by a written commitment, and that I, the applicant(s), may not rely on non-written loan approval and/or verbal status reports. Equal Credit Opportunity Notice Acknowledgement I do hereby certify that I have read and do understand the Notices set forth above, and that I have been notified of my rights by the Lender. Borrower Date Borrower Date Borrower Date Borrower Date Revised: 9/21/15

12 Form 4506-T (Rev. September 2015) Department of the Treasury Request for Transcript of Tax Return Do not sign this form unless all applicable lines have been completed. Request may be rejected if the form is incomplete or illegible. For more information about Form 4506-T, visit OMB No Tip. Use Form 4506-T to order a transcript or other return information free of charge. See the product list below. You can quickly request transcripts by using our automated self-help service tools. Please visit us at IRS.gov and click on Get a Tax Transcript... under Tools or call If you need a copy of your return, use Form 4506, Request for Copy of Tax Return. There is a fee to get a copy of your return. 1a Name shown on tax return. If a joint return, enter the name shown first. 1b First social security number on tax return, individual taxpayer identification number, or employer identification number (see instructions) 2a If a joint return, enter spouse s name shown on tax return. 2b Second social security number or individual taxpayer identification number if joint tax return 3 Current name, address (including apt., room, or suite no.), city, state, and ZIP code (see instructions) 4 Previous address shown on the last return filed if different from line 3 (see instructions) 5 If the transcript or tax information is to be mailed to a third party (such as a mortgage company), enter the third party s name, address, and telephone number. Caution: If the tax transcript is being mailed to a third party, ensure that you have filled in lines 6 through 9 before signing. Sign and date the form once you have filled in these lines. Completing these steps helps to protect your privacy. Once the IRS discloses your tax transcript to the third party listed on line 5, the IRS has no control over what the third party does with the information. If you would like to limit the third party s authority to disclose your transcript information, you can specify this limitation in your written agreement with the third party. 6 Transcript requested. Enter the tax form number here (1040, 1065, 1120, etc.) and check the appropriate box below. Enter only one tax form number per request. a Return Transcript, which includes most of the line items of a tax return as filed with the IRS. A tax return transcript does not reflect changes made to the account after the return is processed. Transcripts are only available for the following returns: Form 1040 series, Form 1065, Form 1120, Form 1120-A, Form 1120-H, Form 1120-L, and Form 1120S. Return transcripts are available for the current year and returns processed during the prior 3 processing years. Most requests will be processed within 10 business days b c Account Transcript, which contains information on the financial status of the account, such as payments made on the account, penalty assessments, and adjustments made by you or the IRS after the return was filed. Return information is limited to items such as tax liability and estimated tax payments. Account transcripts are available for most returns. Most requests will be processed within 10 business days. Record of Account, which provides the most detailed information as it is a combination of the Return Transcript and the Account Transcript. Available for current year and 3 prior tax years. Most requests will be processed within 10 business days Verification of Nonfiling, which is proof from the IRS that you did not file a return for the year. Current year requests are only available after June 15th. There are no availability restrictions on prior year requests. Most requests will be processed within 10 business days.. 8 Form W-2, Form 1099 series, Form 1098 series, or Form 5498 series transcript. The IRS can provide a transcript that includes data from these information returns. State or local information is not included with the Form W-2 information. The IRS may be able to provide this transcript information for up to 10 years. Information for the current year is generally not available until the year after it is filed with the IRS. For example, W-2 information for 2011, filed in 2012, will likely not be available from the IRS until If you need W-2 information for retirement purposes, you should contact the Social Security Administration at Most requests will be processed within 10 business days. Caution: If you need a copy of Form W-2 or Form 1099, you should first contact the payer. To get a copy of the Form W-2 or Form 1099 filed with your return, you must use Form 4506 and request a copy of your return, which includes all attachments. 9 Year or period requested. Enter the ending date of the year or period, using the mm/dd/yyyy format. If you are requesting more than four years or periods, you must attach another Form 4506-T. For requests relating to quarterly tax returns, such as Form 941, you must enter each quarter or tax period separately. / / / / / / / / Caution: Do not sign this form unless all applicable lines have been completed. Signature of taxpayer(s). I declare that I am either the taxpayer whose name is shown on line 1a or 2a, or a person authorized to obtain the tax information requested. If the request applies to a joint return, at least one spouse must sign. If signed by a corporate officer, 1 percent or more shareholder, partner, managing member, guardian, tax matters partner, executor, receiver, administrator, trustee, or party other than the taxpayer, I certify that I have the authority to execute Form 4506-T on behalf of the taxpayer. Note: For transcripts being sent to a third party, this form must be received within 120 days of the signature date. Signatory attests that he/she has read the attestation clause and upon so reading declares that he/she has the authority to sign the Form 4506-T. See instructions. Phone number of taxpayer on line 1a or 2a Sign Here Signature (see instructions) Title (if line 1a above is a corporation, partnership, estate, or trust) Date Spouse s signature For Privacy Act and Paperwork Reduction Act Notice, see page 2. Cat. No N Form 4506-T (Rev ) Date

13 Form 4506-T (Rev ) Page 2 Section references are to the Internal Revenue Code unless otherwise noted. Future Developments For the latest information about Form 4506-T and its instructions, go to Information about any recent developments affecting Form 4506-T (such as legislation enacted after we released it) will be posted on that page. General Instructions Caution: Do not sign this form unless all applicable lines have been completed. Purpose of form. Use Form 4506-T to request tax return information. You can also designate (on line 5) a third party to receive the information. Taxpayers using a tax year beginning in one calendar year and ending in the following year (fiscal tax year) must file Form 4506-T to request a return transcript. Note: If you are unsure of which type of transcript you need, request the Record of Account, as it provides the most detailed information. Tip. Use Form 4506, Request for Copy of Tax Return, to request copies of tax returns. Automated transcript request. You can quickly request transcripts by using our automated self-help service tools. Please visit us at IRS.gov and click on Get a Tax Transcript... under Tools or call Where to file. Mail or fax Form 4506-T to the address below for the state you lived in, or the state your business was in, when that return was filed. There are two address charts: one for individual transcripts (Form 1040 series and Form W-2) and one for all other transcripts. If you are requesting more than one transcript or other product and the chart below shows two different addresses, send your request to the address based on the address of your most recent return. Chart for individual transcripts (Form 1040 series and Form W-2 and Form 1099) If you filed an individual return and lived in: Alabama, Kentucky, Louisiana, Mississippi, Tennessee, Texas, a foreign country, American Samoa, Puerto Rico, Guam, the Commonwealth of the Northern Mariana Islands, the U.S. Virgin Islands, or A.P.O. or F.P.O. address Alaska, Arizona, Arkansas, California, Colorado, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Michigan, Minnesota, Montana, Nebraska, Nevada, New Mexico, North Dakota, Oklahoma, Oregon, South Dakota, Utah, Washington, Wisconsin, Wyoming Connecticut, Delaware, District of Columbia, Florida, Georgia, Maine, Maryland, Massachusetts, Missouri, New Hampshire, New Jersey, New York, North Carolina, Ohio, Pennsylvania, Rhode Island, South Carolina, Vermont, Virginia, West Virginia Mail or fax to: RAIVS Team Stop 6716 AUSC Austin, TX RAIVS Team Stop Fresno, CA RAIVS Team Stop 6705 P-6 Kansas City, MO Chart for all other transcripts If you lived in or your business was in: Alabama, Alaska, Arizona, Arkansas, California, Colorado, Florida, Hawaii, Idaho, Iowa, Kansas, Louisiana, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Mexico, North Dakota, Oklahoma, Oregon, South Dakota, Texas, Utah, Washington, Wyoming, a foreign country, American Samoa, Puerto Rico, Guam, the Commonwealth of the Northern Mariana Islands, the U.S. Virgin Islands, or A.P.O. or F.P.O. address Connecticut, Delaware, District of Columbia, Georgia, Illinois, Indiana, Kentucky, Maine, Maryland, Massachusetts, Michigan, New Hampshire, New Jersey, New York, North Carolina, Ohio, Pennsylvania, Rhode Island, South Carolina, Tennessee, Vermont, Virginia, West Virginia, Wisconsin Mail or fax to: RAIVS Team P.O. Box 9941 Mail Stop 6734 Ogden, UT RAIVS Team P.O. Box Stop 2800 F Cincinnati, OH Line 1b. Enter your employer identification number (EIN) if your request relates to a business return. Otherwise, enter the first social security number (SSN) or your individual taxpayer identification number (ITIN) shown on the return. For example, if you are requesting Form 1040 that includes Schedule C (Form 1040), enter your SSN. Line 3. Enter your current address. If you use a P.O. box, include it on this line. Line 4. Enter the address shown on the last return filed if different from the address entered on line 3. Note: If the addresses on lines 3 and 4 are different and you have not changed your address with the IRS, file Form 8822, Change of Address. For a business address, file Form 8822-B, Change of Address or Responsible Party Business. Line 6. Enter only one tax form number per request. Signature and date. Form 4506-T must be signed and dated by the taxpayer listed on line 1a or 2a. If you completed line 5 requesting the information be sent to a third party, the IRS must receive Form 4506-T within 120 days of the date signed by the taxpayer or it will be rejected. Ensure that all applicable lines are completed before signing.! CAUTION box is unchecked. You must check the box in the signature area to acknowledge you have the authority to sign and request the information. The form will not be processed and returned to you if the Individuals. Transcripts of jointly filed tax returns may be furnished to either spouse. Only one signature is required. Sign Form 4506-T exactly as your name appeared on the original return. If you changed your name, also sign your current name. Corporations. Generally, Form 4506-T can be signed by: (1) an officer having legal authority to bind the corporation, (2) any person designated by the board of directors or other governing body, or (3) any officer or employee on written request by any principal officer and attested to by the secretary or other officer. A bona fide shareholder of record owning 1 percent or more of the outstanding stock of the corporation may submit a Form 4506-T but must provide documentation to support the requester's right to receive the information. Partnerships. Generally, Form 4506-T can be signed by any person who was a member of the partnership during any part of the tax period requested on line 9. All others. See section 6103(e) if the taxpayer has died, is insolvent, is a dissolved corporation, or if a trustee, guardian, executor, receiver, or administrator is acting for the taxpayer. Note: If you are Heir at law, Next of kin, or Beneficiary you must be able to establish a material interest in the estate or trust. Documentation. For entities other than individuals, you must attach the authorization document. For example, this could be the letter from the principal officer authorizing an employee of the corporation or the letters testamentary authorizing an individual to act for an estate. Signature by a representative. A representative can sign Form 4506-T for a taxpayer only if the taxpayer has specifically delegated this authority to the representative on Form 2848, line 5. The representative must attach Form 2848 showing the delegation to Form 4506-T. Privacy Act and Paperwork Reduction Act Notice. We ask for the information on this form to establish your right to gain access to the requested tax information under the Internal Revenue Code. We need this information to properly identify the tax information and respond to your request. You are not required to request any transcript; if you do request a transcript, sections 6103 and 6109 and their regulations require you to provide this information, including your SSN or EIN. If you do not provide this information, we may not be able to process your request. Providing false or fraudulent information may subject you to penalties. Routine uses of this information include giving it to the Department of Justice for civil and criminal litigation, and cities, states, the District of Columbia, and U.S. commonwealths and possessions for use in administering their tax laws. We may also disclose this information to other countries under a tax treaty, to federal and state agencies to enforce federal nontax criminal laws, or to federal law enforcement and intelligence agencies to combat terrorism. You are not required to provide the information requested on a form that is subject to the Paperwork Reduction Act unless the form displays a valid OMB control number. Books or records relating to a form or its instructions must be retained as long as their contents may become material in the administration of any Internal Revenue law. Generally, tax returns and return information are confidential, as required by section The time needed to complete and file Form 4506-T will vary depending on individual circumstances. The estimated average time is: Learning about the law or the form, 10 min.; Preparing the form, 12 min.; and Copying, assembling, and sending the form to the IRS, 20 min. If you have comments concerning the accuracy of these time estimates or suggestions for making Form 4506-T simpler, we would be happy to hear from you. You can write to: Tax Forms and Publications Division 1111 Constitution Ave. NW, IR-6526 Washington, DC Do not send the form to this address. Instead, see Where to file on this page.