Hours: Monday – Friday: Saturday: 8:30 a.m. – 9:00 p.m. ET 9:00 a.m. – 4:00 p.m. ET Phone: Email: Secure Fax: (800) 965- 6711 [email protected](877) 380-5084 Questions? Contact Your Account Resolution Team! Page 1 CP068 Application For Success Checklist Please follow this checklist to complete the Application For Success. We’ll review it and let you know your options. To expedite the process, send it back to us immediately. STEP 1 Client Information Client Co-Client Description Page ❏ ❏ Complete client information 2 ❏ ❏ If your property is listed for sale, provide the listing agreement 2 ❏ ❏ If your property has an offer, provide the purchase agreement 2 STEP 2 Hardship Information Client Co-Client Description Page ❏ ❏ Provide hardship information and documentation 3–5 ❏ ❏ Write a hardship letter (use the space provided on page 6 or type your own letter) 6 STEP 3 Income Client Co-Client Description Page ❏ ❏ List the monthly income for client/co-client, and provide supporting income documentation 7–8 STEP 4 Assets & Expenses Client Co-Client Description Page ❏ ❏ Tell us your household assets 9 ❏ ❏ Tell us your monthly expenses/debt 10–11 STEP 5 Acknowledgment & Agreement Client Co-Client Description Page ❏ ❏ Sign the Acknowledgment and Agreement form 12 ❏ ❏ Sign the Certification and Authorization form 13 STEP 6 Finish & Sign Documents Client Co-Client Description Page ❏ ❏ Complete and sign the 4506- T 14–15 ❏ ❏ Sign the Third-Party Authorization form if applicable 16 Return your fully completed Application For Success and required documentation Do not use email to send the documents Fax to (877) 380-5084 OR Mail to the following address: Quicken Loans Attn: Servicing – Client Solutions 635 Woodward Ave. Detroit, MI 48226
Is the property for sale by owner? ❏ Yes ❏ NoIf no, what is the real estate agent’s name and phone number?
Name: Phone number:
* By signing immediately below. You consent to having Quicken Loans and our Family of Companies, and potentially our mortgage partners contact you about your inquiry by text message or phone (including automatic telephone dialing system or an artificial or prerecorded voice) to the residential or cellular telephone number you have provided, even if that telephone number is on a corporate, state, or national Do Not Call Registry. You do not have to agree to receive such calls or messages as a condition of getting any services from Quicken Loans.
fCo-Client Signature: fDate:
fClient Signature: fDate:
Hardship AffidavitDIRECTIONS: Select the reason that most recently impacted your ability to make your mortgage payment.
I am requesting a review of my current financial situation to determine whether I qualify for temporary or permanent mortgage loan relief options.
Date hardship began: ________________________________________
I believe that my situation is: _____ Short-term (under 6 months) _____ Long-term or permanent (greater than 6 months)
Choose the main reason for your hardship below: (choose only one)
Reduction in Income A hardship that has caused a decrease in your income due to circumstances outside your control (e.g., elimination of overtime, reduction in regular working hours, or reduction in base pay)
Client Co-Client
❏ ❏
Increase in Expenses A hardship that has caused an increase in your housing expenses due to circumstances outside your control
Client Co-Client
❏ ❏
Unemployment
Client Co-Client
❏ ❏ Are you actively seeking employment: ❏ Yes ❏ No
Divorce
Client Co-Client
❏ ❏ Please provide the applicable items listed below:1. Maintenance agreement, property settlement, or custody agreementAND2. One of the following:
a. Divorce decree signed by court b. Recorded quit claim deed showing that non-occupying client/co-client has relinquished all rights
to the property
Do not send original copies of documents.
Hardship AffidavitDIRECTIONS: Select the reason that most recently impacted your ability to make your mortgage payment.
Death of a Client or Primary/Secondary Wage Earner
Client Co-Client
❏ ❏ Please provide the executorship docs, if applicable, and one of the following items listed below:1. Death certificateOR2. Obituary or newspaper article reporting the death
Long-Term or Permanent Disability; Serious Illness of a Client/Co-Client or Dependent Family Member
Client Co-Client
❏ ❏ If applicable, please provide one of the items listed below:1. Doctor’s certificate of illness or disabilityOR2. Medical billsOR3. Proof of monthly insurance benefits or government assistanceOR4. Written statement or other documentation from a third party verifying disability or illness
None of the above shall require detailed medical information.
Disaster (Natural or Man-Made)
Client Co-Client
❏ ❏ If applicable, please provide one of the items listed below:1. Copy of the insurance claimOR2. Proof of the proceeds from the Federal Emergency Management Agency grant or Small Business
Administration loanOR3. Proof that client’s employer’s property is located in a federally declared disaster area
Distant Employment Transfer/Relocation
Client Co-Client
❏ ❏ Provide the following applicable documentation:1. For active duty service members: Notice of Permanent Change of Station (PCS) or actual PCS orders:
a. If you have received PCS orders that will require you to move more than 50 miles, please send in a copy of those orders.
ANDb. Provide a signed and dated letter of explanation including:
The subject property was the principal residence at the time the PCS orders were issuedNew permanent housing has been or will be obtained as a result of the PCS orders
OR2. For employment transfers/new employment:
a. Documentation that reflects the amount of any relocation assistance provided, if applicable (not required for those with PCS orders)
ANDb. Copy of signed offer letter or notice from employer showing transfer to a new employment location ORc. Pay stub from new employer
Do not send original copies of documents.
Hardship AffidavitDIRECTIONS: Select the reason that most recently impacted your ability to make your mortgage payment.
❏ ❏ If applicable, please provide one of the items listed below:1. Business and personal tax returns and all schedules from the previous yearAND2. Proof of business failure supported by one of the following:
a. Bankruptcy filing for the business ORb. Most recent 2 months of bank statements for the business account showing no business activityORc. Most recent signed and dated quarterly or year-to-date profit and loss statement
Other A hardship that is not covered above
Client Co-Client
❏ ❏If applicable, please provide the item listed below:
Written explanation describing the details of the hardship and relevant documentation
REMINDER:You MUST provide the corresponding documentation for the main hardship reason you selected. Without these documents, we will be unable to process your application.
Do not send original copies of documents.
Co-Client Signature Date
Print Co-Client’s Name
Co-Client Signature Date
Print Co-Client’s Name
Client Signature Date
Print Client’s Name
Co-Client Signature Date
Print Co-Client’s Name
f
f
f
f
Hardship LetterDIRECTIONS: To complete your hardship letter, please provide a detailed response to the following questions:
• What occurred that has changed your financial situation?• How does the situation impact your ability to make your monthly mortgage payment?
Start date: Work phone number: Start date: Work phone number:
Frequency of pay: ❏ Weekly ❏ Biweekly ❏ Semimonthly ❏ Monthly ❏ Other Frequency of pay: ❏ Weekly ❏ Biweekly ❏ Semimonthly ❏ Monthly ❏ Other
Income Client Co-Client Document Requirements
Hourly or Salary Income (Full Time, Part Time, Seasonal, Second Job, Military & Union)
$ /mo. $ /mo. Copies of the most recent 30 days of pay stubs showing year-to-date (YTD) earnings
Commission, Tip, Overtime and Bonus
$ /mo. $ /mo. Copies of the most recent 30 days of pay stubs showing year-to-date (YTD) earnings, defining regular pay as well as overtime, bonuses, tips and/or commission
Alimony/Child Support* $ /mo. $ /mo. Copy of the divorce decree/separation agreement or other type of legal agreement or court decree that provides for the payment of alimony or child support and states the amount of the award and the period of time over which it will be received AND Copies of the 2 most recent months of bank statements showing full, regular and timely payments
Housing Allowance $ /mo. $ /mo. Copies of the contract or pay stub evidencing amount of housing allowance and how long it will last
SSI/Death Benefits $ /mo. $ /mo. Award letter or 1099 ANDSigned federal income tax return and all schedules from the most recent tax yearANDCopies of the 2 most recent months of bank statements showing receipt of income
Disability (Short-Term, Long-Term and Workers’ Compensation)
$ /mo. $ /mo. Award letter, benefits statement or disability policy from the provider AND Copies of the 2 most recent months of bank statements showing receipt of disability income
Pension $ /mo. $ /mo. Benefits statement, pay stub or 1099 ANDCopies of the 2 most recent months of bank statements showing receipt of pension income
Subtotal $ /mo. $ /mo.
Do not send original copies of documents.
*Notice: Alimony, child support or separate maintenance income need not be revealed if you do not choose to have it considered for repaying this loan.
Current Household IncomeDIRECTIONS: List all types of income received by the client or co-client on a monthly basis.
Then provide the documentation needed for each income type.
$ /mo. $ /mo. Account statement ANDCopies of the 2 most recent months of bank statements showing receipt of income
Rental Income $ /mo. $ /mo. Copies of the 2 most recent months of bank statements showing receipt of rental income and one of the following:
Signed federal income tax return and all schedules from the most recent tax yearORCurrent signed lease agreement
Adoption/Foster Income and Public Assistance
$ /mo. $ /mo. Benefits statement or award letter ANDCopies of the 2 most recent months of bank statements showing receipt of income
Self-Employment $ /mo. $ /mo. A complete, signed individual federal income tax return; your business tax return and all schedules (e.g., IRS Forms 1120, 1120S and 1065) if applicable; and one of the following:
Copies of 2 months of pay stubs, if applicable
AND
The most recent signed and dated quarterly or year-to-date profit and loss statement that reflects activity for the most recent 3 months ORCopies of bank statements for the business account for the last 2 months to document continuation of business activity
Unemployment Income $ /mo. $ /mo. Unemployment award letter AND Copies of the 2 most recent months of bank statements showing receipt of unemployment benefits
Non-Client Income $ /mo. $ /mo. Submit the required documentation based on the income type of the non-client
Subtotal $ /mo. $ /mo.
+ Previous Page Subtotal $ /mo. $ /mo.
Total Gross Income $ /mo. $ /mo.
Do not send original copies of documents.
Current Household AssetsDIRECTIONS: List all household assets associated with the property and/or client(s).
Documentation Required:For all of the items listed above, provide copies of statements covering the 2 most recent months for all financial accounts for all clients. The statements must include all pages and identify all of the following:
• Account holder’s name and/or the name of the business • Name of the bank/financial institution • Account number (at least the last four digits) • Date range • Ending balance
Do not send original copies of documents.
Household Monthly Expenses/DebtDIRECTIONS: List your monthly expenses/debt for each category. Next, add the category subtotals together,
and list the grand total in box F on the following page.
Medical Supplies, Such as Eyeglasses and Contacts $
Subtotal D $ /mo.
Monthly AmountTransportation Expenses
Number of Cars
Vehicle 1 Payment $
Vehicle 2 Payment $
Vehicle Insurance $
Fuel $
Parking/Tolls $
Public Transportation/Transit Fares $
Subtotal E $ /mo.
Monthly AmountAdditional Expenses
Alimony/Child Support $
Child Care $
Health Insurance (If Not Deducted on Pay Stub) $
Life Insurance $
Payments on Liens/Judgments (If Not Garnished) $
Personal Loans $
Student Loans $
School Costs $
Credit Card Payment(s) $
Subtotal F $ /mo.
$ /mo.GRAND TOTAL Add Subtotals A Through F
F
E
D
G
Acknowledgment and AgreementDIRECTIONS: Read and sign. *An authorized third party may include, but is not limited to, a counseling agency, a Housing Finance Agency (HFA), or other similar entity.
Client/Co-Client Acknowledgment and AgreementI certify, acknowledge and agree to the following:
1. All of the information in the Application For Success is truthful, and the hardship that I have identified contributed to my need for mortgage assistance.
2. The accuracy of my statements may be reviewed by the Servicer, the owner or the guarantor of my mortgage, their agent(s), or an authorized third party,* and I may be required to provide additional supporting documentation. I will provide all requested documents and will respond in a timely fashion to all Servicer or authorized third-party communications.
3. Knowingly submitting false information may violate federal and other applicable law.
4. If I have intentionally defaulted on my existing mortgage, engaged in fraud or misrepresented any fact(s) in connection with this request for mortgage assistance, or if I do not provide all required documentation, the Servicer may cancel any mortgage assistance granted and may pursue foreclosure on my home and/or pursue any available legal remedies.
5. The Servicer is not obligated to offer me assistance based solely on the representations in this document or other documentation submitted in connection with my request. I understand that the Servicer may incur certain costs in evaluating my Application For Success, and I am responsible for these costs whether or not I’m approved for mortgage assistance. This could include, but is not limited to, an appraisal or broker price opinion to determine the value of my property and a title search. I acknowledge and agree that I have had ample opportunity to contact the Servicer with any concerns I have about these costs, and I have no unresolved concerns.
6. You agree to allow vendor(s) access to the interior of the property for the purpose of a property valuation.
7. I may be eligible for a trial-period plan, repayment plan or forbearance plan. If I am eligible for one of these plans, I agree to the following:a. All the terms of this Acknowledgment and Agreement are incorporated into such plan by reference as if set forth in such plan in full.b. My first timely payment under the plan will serve as acceptance of the terms set forth in the notice of the plan sent by the Servicer.c. The Servicer’s acceptance of any payments under the plan will not be a waiver of any acceleration of my loan or foreclosure action that
has occurred and will not cure my default unless such payments are sufficient to completely cure my entire default under my loan.
d. If I was not previously required to pay escrow amounts, I agree to the establishment of an escrow account and agree that any prior waiver is revoked. If any of the above programs do not complete under the approved terms, I understand my escrow account will remain on my loan.
8. A condemnation notice has not been issued for the property.
9. The Servicer or authorized third party* will obtain a current credit report on all borrowers obligated on the Note.
10. The Servicer or authorized third party* will collect and record personal information that I submit in this Application For Success and during the evaluation process. This personal information may include, but is not limited to (a) my name, address and telephone number, (b) my Social Security number, (c) my credit score, (d) my income, and (e) my payment history and information about my account balances and activity. I understand and consent to the Servicer or an authorized third party,* as well as any investor or guarantor (such as Fannie Mae or Freddie Mac), disclosing my personal information and the terms of any relief of foreclosure alternative that I receive to the following:
a. Any investor, insurer, guarantor or servicer that owns, insures, guarantees or services my first lien or subordinate lien (if applicable) mortgage loan(s) or any companies that perform support services to them
b. The U.S. Department of the Treasury, Fannie Mae and Freddie Mac, in conjunction with their responsibilities under the Making Home Affordable program or any companies that perform support services to them
11. I consent to being contacted concerning this request for mortgage assistance at any telephone number, including the mobile telephone number or email address I have provided to the Servicer/lender/or authorized third party.*
12. Bankruptcy Notice: If you are in bankruptcy or if your obligation to repay this loan was discharged in bankruptcy, this package is sent to you in order to comply with investor guidelines or at your request. It is not an attempt to collect the debt. You may disregard any information pertaining to payment remittance. You are not obligated to make payments, and any amount you do pay the Servicer is at your discretion.
13. The issuance of this package is neither an offer for a refinance, repayment plan, forbearance plan, modification or mortgage release, nor an acceptance of a short sale offer. Each individual case will be reviewed and a decision made on your request. If you have received any notice regarding your foreclosure sale and have questions, please use the contact information on that notice to obtain answers. Foreclosure proceedings may continue or commence after issuance of this package.
14. This communication is from a debt collector. This is an attempt to collect a debt, and any information obtained will be used for that purpose.
fClient Signature: fDate: fCo-Client
Signature: fDate:
Certification and AuthorizationDIRECTIONS: Read and sign.
Certification The undersigned certify the following:
1) I/We have a mortgage loan with Quicken Loans Inc. (“Servicer”). In connection with the loan, I/we completed an application containing various information on the purpose of the loan, 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 application or other documents, nor did I/we omit any pertinent information.
2) I/We understand and agree that Servicer reserves the right to change the 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 or 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 1014.
Authorization to Release InformationI/We certify, acknowledge and agree to the following:
1) I/We have a mortgage loan with the Servicer. As part of the application process, Servicer may verify information contained in my/our application and in other documents required by Servicer. I/We understand that any misrepresentations discovered during the application process and thereafter may be reported or shared with law enforcement or fraud alert databases.
2) I/We authorize you to provide to Servicer, and to any investor to whom Servicer may transfer my/our mortgage loan to, 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. This authorization also applies to proof of homeowners insurance coverage and requests for payoff statements from my/our current mortgage Servicer/bank even if such requests are from the title company performing the closing/settlement of my/our mortgage loan with Servicer.
3) The Servicer or any investor that purchases the mortgage may address this authorization to any party named in the application or disclosed by any consumer credit reporting agency or similar source.
4) I/We release and agree to hold Servicer and any investor that purchases my/our mortgage harmless from any liability that may arise from verifying information contained in my/our application or for any reporting of misrepresentations discovered during the application process or thereafter.
5) A copy of this authorization may be accepted as an original, and this authorization may be electronically signed in place of a handwritten signature.
6) To evaluate a modification, we may order an appraisal or some other type of valuation to determine the property’s value and charge you for the appraisal. We will give you a copy of any appraisal or valuation. You can pay for an additional appraisal for your own use at your own cost. Lender is an equal opportunity lender and abides by the federal (and state) Equal Credit Opportunity Act, which prohibits creditors from discrimination against credit applications on the bases of sex, marital status, race, color, religion, national origin, age (provided the applicant has the capacity to contract), receipt of income from a public assistance program, or the good faith exercise of rights under the Consumer Credit Protection Act. The Federal Agency that administers compliance with this law concerning Lenders is the Federal Trade Commission, Equal Credit Opportunity Division, Washington, D.C., 20580.
NOTICE TO CLIENTS: This to you as required by the Right to Financial Privacy Act of 1978 that HUD/FHA 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 HUD/FHA without further notice or authorization but will not be disclosed or released by this institution to another Government Agency or Department without your consent except as required or permitted by law.
fCo-Client Signature: fDate:
fClient Signature: fDate:
Form 4506-T(Rev. September 2015)
Department of the Treasury Internal Revenue Service
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 www.irs.gov/form4506t.
OMB No. 1545-1872
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 1-800-908-9946. 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 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 .
c 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 . . . . . .
7 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 2013. If you need W-2 information for retirement purposes, you should contact the Social Security Administration at 1-800-772-1213. 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) Date
Title (if line 1a above is a corporation, partnership, estate, or trust)
Spouse’s signature Date
For Privacy Act and Paperwork Reduction Act Notice, see page 2. Cat. No. 37667N Form 4506-T (Rev. 9-2015)
/ / / / / / / /
Request for Transcript of Tax ReturnDIRECTIONS: You are required to complete this section.
• Complete all boxes marked with yellow arrows.• If a joint tax return was filed, the client’s spouse does not need to complete this form.• If the client and co-client did not file a joint tax return, each must complete a separate 4506-T. An additional form is located on page 5 of the “For Your Review” section.
• In #4 below, indicate the address shown on your last tax return IF it is different from your current address.• IF you submit a 4506-T that is not the one provided below, “Quicken Loans Inc., 635 Woodward Ave., Detroit, MI 48226 -
Section references are to the Internal Revenue Code unless otherwise noted.
Future DevelopmentsFor the latest information about Form 4506-T and its instructions, go to www.irs.gov/form4506t. 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 1-800-908-9946.
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:
Mail or fax to:
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
Internal Revenue Service RAIVS Team Stop 6716 AUSC Austin, TX 73301 512-460-2272
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
Internal Revenue Service RAIVS Team Stop 37106 Fresno, CA 93888 559-456-7227
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
Internal Revenue Service RAIVS Team Stop 6705 P-6 Kansas City, MO 64999 816-292-6102
Chart for all other transcripts
If you lived in or your business was in:
Mail or fax to:
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
Internal Revenue Service RAIVS Team P.O. Box 9941 Mail Stop 6734 Ogden, UT 84409 801-620-6922
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
Internal Revenue Service RAIVS Team P.O. Box 145500 Stop 2800 F Cincinnati, OH 45250 859-669-3592
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
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
box is unchecked.
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 6103.
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:
Internal Revenue Service Tax Forms and Publications Division 1111 Constitution Ave. NW, IR-6526 Washington, DC 20224
Do not send the form to this address. Instead, see Where to file on this page.
I UNDERSTAND AND AGREE WITH THE TERMS OF THIS THIRD-PARTY AUTHORIZATION:
Borrower Co-Borrower
%
Printed Name Printed Name
Signature Signature
Date Date
Third-Party Authorization FormDIRECTIONS: This form is optional. If you would like us to communicate with others about your loan term, or if you will be working with
a third party during this process, sign and complete this form. If more space is needed, complete the additional copy of this document located on page 7 in the “For Your Review” section.
STEP
6Third-Party Authorization Form
!"#$%&'()*+',(-'$.Mortgage Lender/Servicer Name (ìS ervicerî) [Account][Loan] Number
Before signing this Third-Party Authorization, beware of foreclosure rescue scams!• ->(#,(&OE&$>&1(>0+>(+(ILM7+EE2*<&1(0*",#'3($*"',&=*2?(IKJ(2&E2&,&'>+>#<&(*2(*>0&2(+">0*2#B&1(>0#21E+2>:(5#==(5*2%(1#2&$>=:(5#>0(:*"2(=&'1&2PG*2>3+3&(,&2<#$&2.
Phone: (800) 965-6711 Email: [email protected] (Do not use email to send documents.) Fax: (877) 380-5084
From:
Name:
Phone:
Email:
Loan Number:
Date and Time Sent:
Number of Pages Including Cover Page:
Fax Cover Sheet
Page 17 CP068
1050 Woodward Avenue | Detroit, MI 48226
Follow the instructions below, and Quicken Loans will pay your fax costs!
Client InstructionsFollow these three steps to fax the documents to Quicken Loans, and we’ll pay for the costs!
Step 1: Once you have all of the needed documents, including the Fax Cover Sheet and the Fax Instructions Sheet, locate the nearest The UPS Store®:
a. Go to www.TheUPSStore.com/Locations, enter your address information and choose the best location.ORb. Call (800) 789-4623 and request the nearest The UPS Store® location.
Step 2: Bring the documents that need to be sent, the fax cover sheet provided, and this document to The UPS Store® location.
Step 3: Tell The UPS Store® associate that you’re part of the CRS program for Quicken Loans, and provide them with this sheet (which contains The UPS Store® Instructions below). Then, fax the documents to Quicken Loans.
Questions? Call your Account Resolution team at (800) 965-6711
The UPS Store® InstructionsCenter Associate:
This client is part of the Corporate Retail Solutions (CRS) program for Quicken Loans. Follow the instructions below, and ring up all charges within your POS.
Step 1: Access the POS Workflow for Quicken Loans. Use the following path:
“Corporate Accounts > Workflows > M-R > Quicken Loans- Business Services”ORSearch for “Quicken Loans” on the CAMS homepage.
Step 2: Fax only the documents provided by the client to (877) 380-5084. Do not ship these documents.
Step 3: Enter the appropriate information into the POS Workflow. Please be sure to include the following information:
Name:
Loan Number:
Property Address:
Step 4: Press POST to complete the transaction.
Note: You will receive payment via your monthly Program Revenue Payment from The UPS Store, Inc. You will not collect any money for this transaction from the client.
Read and Keep the Following Information• Information About Avoiding Foreclosure• Beware of Foreclosure Rescue Scams• Frequently Asked Questions• Additional 4506-T• Additional Third-Party Authorization Form• Servicemembers Civil Relief Act (SCRA)
Information About Avoiding Foreclosure DIRECTIONS: For your review – no action needed.
Mortgage Programs Are Available to HelpThere are a variety of programs available to help you resolve your delinquency and keep your home. For instance, if you have missed a few payments, you may qualify for a temporary solution to help you get your finances back on track. Or, you may be eligible to refinance or modify your mortgage for a permanent solution to make your payments more manageable. Depending on your circumstances, staying in your home may not be possible and a short sale or mortgage release may be a better choice to help you avoid foreclosure. See the table below for more information on all of your options.
Options to Stay in Your Home Overview Benefit
Refinance Receive a new loan with a lower interest rate or other favorable terms
Makes your payment or terms more affordable.
Reinstatement Pay the total amount you owe in a lump sum payment and by a specific date. This may follow a forbearance plan as described below.
Allows you to avoid foreclosure by bringing your mortgage current if you can show you have funds that will become available at a specific date in the future.
Repayment Plan Pay back your past-due payments together with your regular payments over an extended period of time.
Allows you time to catch up on late payments without having to come up with a lump sum.
Forbearance Plan Make reduced mortgage payments or no mortgage payments for a specific period of time.
Have time to improve your financial situation and get back on your feet.
Modification Receive modified terms of your mortgage to make it more affordable or manageable as a solution to your hardship.
Modifies your mortgage so that your payments or terms are more manageable, as a solution to your hardship.
Options to Leave Your Home Overview Benefit
Short Sale Sell your home and pay off a portion of your mortgage balance when you owe more on the home than it is worth.
Allows you to transition out of your home without going through foreclosure. In some cases, relocation assistance may be available.
Mortgage Release Transfer the ownership of your property to Quicken Loans.
Allows you to transition out of your home without going through foreclosure. In some cases, relocation assistance may be available. This is useful when there are no other liens on your property.
We Want to HelpTake action and gain peace of mind and control of your situation. Complete and return the Application For Success to start the process of getting the help you need now.
Scam artists are stealing millions of dollars from distressed homeowners by promising immediate relief from foreclosure, or demanding cash for counseling services when HUD-approved counseling agencies provide the same services for FREE. If you receive an offer, information or advice that sounds too good to be true, it probably is. Don’t let them take advantage of you, your situation, your house or your money. Remember, help is FREE.
How to Spot a Scam – Beware of a Company or Person Who:• Asks for a fee in advance to work with your lender to modify, refinance or reinstate your mortgage.• Guarantees they can stop a foreclosure or get your loan modified.• Advises you to stop paying your mortgage company and pay them instead.• Pressures you to sign over the deed to your home or sign any paperwork that you haven’t had a chance to read,
and you don’t fully understand.• Claims to offer “government-approved” or “official government” loan modifications.• Asks you to release personal financial information online or over the phone, and you have not been working
with this person and/or do not know them.
How to Report a Scam – Do One of the Following:• Go to PreventLoanScams.org and fill out the Loan Modification Scam Prevention Network’s (LMSPN) complaint
form online, and get more information on how to fight back. • Call (888) 995-HOPE (4673) and tell the counselor about your situation, and that you believe you got scammed
or know of a scam.
The LMSPN is a national coalition of governmental and private organizations led by Fannie Mae, Freddie Mac, NeighborWorks America™ and the Lawyers’ Committee for Civil Rights Under Law.
1. Why did I receive this package?You received the Application For Success because we have not received one or more of your monthly mortgage payments, or you have expressed that you are enduring a hardship and need assistance. We want to help you keep your home if at all possible. We are sending this information to you now so that we can work with you to quickly resolve any temporary or long-term financial challenge you face in making all of your mortgage payments.
2. Where can I find more information on foreclosure prevention?Please see the Avoiding Foreclosure attachment in this package for more information, or you can contact Quicken Loans at (800) 279-3005. Additional foreclosure prevention information is provided by Fannie Mae at KnowYourOptions.com and Freddie Mac at FreddieMac.com/AvoidForeclosure.
3. Will it cost money to get help?There should never be a fee from your servicer or qualified counselor to obtain assistance or information about foreclosure prevention options. However, foreclosure prevention has become a target for scam artists. Be cautious of companies or individuals offering to help you for a fee, and never send a mortgage payment to any company other than the one listed on your monthly mortgage statement or one designated to receive your payments under a state assistance program. Take note: Foreclosure prevention has become a target for scam artists. We suggest using the HUD website referenced in question 12 to locate a counselor near you. Also, please refer to “Beware of Foreclosure Rescue Scams” for more information.
4. What happens once I have returned the Application For Success to you?We will contact you within 5 business days of receipt of your Application For Success to confirm that we have received your package and will review it to determine whether it is complete. Within 5 business days of receipt of your request, we will send you a notice of incompleteness in the event there is any missing information or documentation that you must still submit. We cannot guarantee that you will receive any (or a particular type of) assistance.
Within 30 days of receipt of a complete Application For Success, we will let you know which foreclosure alternatives, if any, are available to you, and we will inform you of your next steps to accept our offer. However, if you submit your complete Application For Success less than 37 days prior to a scheduled foreclosure sale date, we will strive to process your request as quickly as possible, but you may not receive a notice of incompleteness or a decision on your request prior to sale. Please submit your Application For Success as soon as possible.
5. What happens to my mortgage while you are evaluating my Application For Success?You remain obligated to make all mortgage payments as they come due, even while we are evaluating the types of assistance that may be available.
6. Will the foreclosure process begin if I do not respond to this package?If you do not respond to this letter, we may refer your loan to foreclosure in accordance with your mortgage loan documents and applicable law.
7. What is foreclosure?Foreclosure is the forfeiture of your home through a legal process where your mortgage company repossesses the property, and you are required to move. This process may involve an eviction, and you may remain liable for your first lien mortgage debt. Additionally, it could be as long as seven years before you are eligible for another Fannie Mae or Freddie Mac loan.
8. What happens if I have waited too long and my property has been referred to an attorney for foreclosure? Should I still contact you?Yes. The sooner the better!
Frequently Asked QuestionsDIRECTIONS: This page is for your review. No action is needed.
9. What if my property is scheduled for a foreclosure sale in the future?If you submit a complete Application For Success less than 37 days before a scheduled foreclosure sale, there is no guarantee we can evaluate you for a foreclosure alternative in time to stop the foreclosure sale. Even if we are able to approve you for a foreclosure alternative prior to a sale, a court with jurisdiction over the foreclosure proceeding (if any), or public official charged with carrying out the sale, may not halt the scheduled sale.
10. Will my property be sold at a foreclosure sale if I accept a foreclosure alternative?No. The property will not be sold at a foreclosure sale once you accept a foreclosure alternative, such as a forbearance or repayment plan, and comply with all requirements.
11. How will my credit score be affected? The effect on your credit will depend on your individual credit history. However, bringing your loan current through a reinstatement, repayment plan or loan modification while continuing to make timely payments may improve your credit score over time. The delinquency status of your loan will be reported to credit reporting agencies, as well as your entry into a foreclosure prevention option, in accordance with the requirements of the Fair Credit Reporting Act and the Consumer Data Industry Association requirements.
12. Is foreclosure prevention counseling available?Yes. HUD-approved counselors are available to provide you with the information and assistance you may need to avoid foreclosure. You can use the search tool at http://www.hud.gov/offices/hsg/sfh/hcc/fc/ to find a counselor near you. You may also contact the toll-free HOPE Hotline™, (888) 995-HOPE (1-888-995-4673). The HOPE Hotline is available 24 hours a day to provide mortgage loan counseling in multiple languages. The HOPE Hotline refers borrowers to a network of HUD-approved housing counseling agencies dedicated to helping borrowers avoid foreclosure.
13. Will I be evaluated for the federal Home Affordable Modification Program (HAMP) when I submit my Application For Success?If you are not eligible for a refinance, reinstatement, repayment or forbearance plan based on the information you provide, we will evaluate you for participation in the HAMP. If you are not eligible for HAMP, we will evaluate you for a non-HAMP Fannie Mae/Freddie Mac loan modification.
Frequently Asked Questions ContinuedDIRECTIONS: This page is for your review. No action is needed.
1. What is a short sale?A short sale is when you sell your home for less than the balance remaining on your loan.
2. How long does a short sale take?Short sales typically take between 45 and 60 calendar days from the date the approval letter is issued. Timelines can vary based on market conditions and investor requirements. If your home is in the foreclosure process, depending on your loan and the circumstances, you may still qualify for a short sale. There are other options that you can explore if you want to retain the home. In order to determine all the options available, please contact your Client Solutions Team.
3. Is there financial assistance available to help me relocate?Qualified homeowners may be eligible to receive relocation assistance. Depending on your circumstances and the investor of your loan, you may qualify for assistance ranging from $1,000 to $3,000. Once we’ve received your complete Application for Success, we will be able to review and communicate any assistance you may qualify for.
4. How will a short sale affect my credit and income tax obligations?If a short sale is completed, we will report that your loan was “paid in full for less than the full balance.” You should contact a tax professional to gain a better understanding of any tax implications.
5. How can I find a licensed real estate agent with experience in short sales?Our sister company, In-House Realty, is here to provide you with experienced and knowledgeable agents who can guide you through your short sale. Call (800) 672-4134 to get matched with an experienced real estate agent in your area.
6. Do I need to maintain my property while doing a short sale?Yes, well-maintained property should get a better offer from a buyer than a property that’s in disrepair.
7. What is deficiency and how does it affect me?A deficiency occurs when the total outstanding balance exceeds the total proceeds received by the investor after the completed short sale. In some cases, the investor may reserve the right to pursue this difference.
8. What if the short sale is not approved?A mortgage release may be available. With a mortgage release, you agree to transfer the title or ownership of your property to the investor of your loan. This will help you avoid foreclosure and satisfy all or a portion of the mortgage debt. The amount of debt satisfied by this transfer of ownership is based on the approved value of your home. In some cases, you may be responsible for the remaining balance of the mortgage debt over and above the approved value.
Short Sale Q & ADIRECTIONS: This page is for your review. No action is needed.
Form 4506-T(Rev. September 2015)
Department of the Treasury Internal Revenue Service
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 www.irs.gov/form4506t.
OMB No. 1545-1872
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 1-800-908-9946. 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 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 .
c 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 . . . . . .
7 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 2013. If you need W-2 information for retirement purposes, you should contact the Social Security Administration at 1-800-772-1213. 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) Date
Title (if line 1a above is a corporation, partnership, estate, or trust)
Spouse’s signature Date
For Privacy Act and Paperwork Reduction Act Notice, see page 2. Cat. No. 37667N Form 4506-T (Rev. 9-2015)
Additional Copy: Request for Transcript of Tax Return DIRECTIONS:
• Complete all boxes marked with yellow arrows.• If a joint tax return was filed, the client’s spouse does not need to complete this form.• If the client and co-client did not file a joint tax return, each must complete a separate 4506-T. An additional form is located on page 3 of the “Complete & Return” section.• In #4 below, indicate the address shown on your last tax return IF it is different from your current address.• IF you submit a 4506-T that is not the one provided below, “Quicken Loans Inc., 635 Woodward Ave., Detroit, MI 48226 -
Section references are to the Internal Revenue Code unless otherwise noted.
Future DevelopmentsFor the latest information about Form 4506-T and its instructions, go to www.irs.gov/form4506t. 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 1-800-908-9946.
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:
Mail or fax to:
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
Internal Revenue Service RAIVS Team Stop 6716 AUSC Austin, TX 73301 512-460-2272
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
Internal Revenue Service RAIVS Team Stop 37106 Fresno, CA 93888 559-456-7227
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
Internal Revenue Service RAIVS Team Stop 6705 P-6 Kansas City, MO 64999 816-292-6102
Chart for all other transcripts
If you lived in or your business was in:
Mail or fax to:
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
Internal Revenue Service RAIVS Team P.O. Box 9941 Mail Stop 6734 Ogden, UT 84409 801-620-6922
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
Internal Revenue Service RAIVS Team P.O. Box 145500 Stop 2800 F Cincinnati, OH 45250 859-669-3592
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
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
box is unchecked.
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 6103.
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:
Internal Revenue Service Tax Forms and Publications Division 1111 Constitution Ave. NW, IR-6526 Washington, DC 20224
Do not send the form to this address. Instead, see Where to file on this page.
Additional Copy of the 4506-T DIRECTIONS: This page is for your review. No action is needed.
Additional Copy of the Third-Party Authorization Form DIRECTIONS: This is an additional Third-Party Authorization Form in case there are any other individuals you would like us to communicate with about your loan terms.
Third-Party Authorization Form
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Mortgage Assistance Relief Scams:Another Potential Stress for Homeowners in Distress
The possibility of losing your home to foreclosure can be terrifying. The reality that scam artists are preying on desperate homeowners is equally frightening. Many companies say they can get a change to your loan that will reduce your monthly mortgage payment or take other steps to save your home. Some claim that nearly all their customers get successful results and even offer a money-back guarantee. Others say they’re affiliated with the government or your lender and still others promise the help of attorneys or real estate experts.
Unfortunately, many companies use half-truths and even outright lies to sell their services. They promise relief, but don’t deliver. In fact, many of these companies leave their homeowner customers in worse financial shape.
The Federal Trade Commission (FTC), the nation’s consumer protection agency, has a Rule in place to protect homeowners. The Mortgage Assistance Relief Services (MARS) Rule makes it illegal for companies
to collect any fees until a homeowner has actually received an offer of relief from his or her lender and accepted it. That means even if you agree to have a company help you, you don’t have to pay until it gets you the result you want.
If you’re struggling to make mortgage payments or facing foreclosure, the
FTC wants you to know how to recognize a mortgage assistance
relief scam and exercise your rights under the new Rule. And even if the foreclosure
process has already begun, the FTC and its law enforcement
partners want you to know that legitimate options are available to help save your home.
How the Scams WorkFraudsters use a variety of tactics to find homeowners in distress. Some sift through public foreclosure notices in newspapers and on the internet or through public files at local government offices, and then send personalized letters to homeowners. Others take a broader approach through ads on the internet, on television or radio, or in newspapers; posters on telephone poles, median strips, and at bus stops; or
February 2011
2 FTC Facts For Consumers
flyers, business cards, or people at your front door. The scam artists use simple – but potentially deceptive – messages, like:
“Stop foreclosure now!”
“Get a loan modification!”
“Over 90% of our customers get results.”
“We have special relationships with banks that can speed up the approval process.”
“100% Money Back Guarantee.”
“Keep Your Home. We know your home is scheduled to be sold. No Problem!”
Once they have your attention, they use a variety of tactics to get your money. By knowing how their scams work, the FTC says you’ll be better able to defend against fraud.
Phony Counseling or Phantom HelpThe scam artists tell you that if you pay them a fee, they’ll negotiate a deal with your lender to reduce your mortgage payments or to save your home. They may claim to be attorneys or represent a law firm. They may tell you not to contact your lender, lawyer, or credit counselor. They promise to handle all the details once you pay them a fee. Then they stop returning your calls and take off with your money.
Sometimes, phony counselors insist you make your mortgage payments directly to them while they negotiate with the lender. They may collect a few months of payments – and then disappear.
The “Forensic Audit”In exchange for an upfront fee, so-called forensic loan “auditors,” mortgage loan “auditors,” or foreclosure prevention “auditors” offer to have an attorney or other expert review your mortgage documents to determine if your lender complied with the law.
The “auditors” say you can use their report to avoid foreclosure, speed the loan modification process, reduce what you owe, or even cancel your loan. In fact, there’s no evidence that forensic loan audits will help you get a loan modification or any other mortgage relief.
Rent-to-Buy SchemesCon artists who use the rent-to-buy scheme tell you to surrender the title to your house as part of a deal that allows you to stay there as a renter and buy it back later. They say that surrendering the title will let a borrower with a better credit rating get new financing and prevent the loss of the home. But the terms of these deals usually are so expensive that buying back your home becomes impossible. You lose the house and the scam artist walks off with the money you put into it. Worse, when the new borrower defaults on the loan, you’re the one who’s evicted.
In a variation, the scam artist raises the rent over time so you can’t afford it. After missing several rent payments, you’re evicted, leaving the “rescuer” free to sell the house.
In a similar equity-skimming scam, fraudsters offer to find a buyer for your home, but only if you sign over the deed and move out. They promise to pay you a portion of the profit when the home sells. Once you transfer the deed, they simply rent out the home and pocket the proceeds while your lender goes ahead with the foreclosure. The result: You lose your home – and you’re still responsible for the unpaid mortgage because transferring the deed does nothing to transfer what you owe on the mortgage.
Bait-and-SwitchIn a bait-and-switch scam, con artists give you papers they claim you need to sign to get another loan to make your mortgage current. But buried in the stack is a document that surrenders the title to your house to the scammers in exchange for a “rescue” loan.
FTC Facts For Consumers 3
Know your RightsThe FTC’s MARS Rule gives you rights – and sets out requirements for people who sell mortgage assistance relief services:
You don’t have to pay any money until the company delivers the results you want. It’s illegal for a company to charge you a penny until:
1 it’s given you a written offer for a loan modification or other relief from your lender; and
2 you accept the offer. The company also must give you a document from your lender showing the changes to your loan if you decide to accept your lender’s offer. And the company must clearly tell you the total fee it will charge you for its services.
Companies must disclose key information. The Rule requires companies to spell out important information in their advertisements and telemarketing calls, including that:
QQ They’re not associated with the government, and their services have not been approved by the government or your lender;
QQ Your lender may not agree to change your loan;QQ If a company tells you to stop paying
your mortgage, it also has to warn you that doing so could result in your losing your home and damaging your credit.
QQ Companies can’t tell you to stop talking to your lender. You should always feel free to contact your lender directly to see whether they can offer you additional options. Companies that tell you otherwise are breaking the law.
If a company doesn’t follow these rules, it could be trying to scam you.
Getting Help from a LawyerSome lawyers may offer to help you get a loan modification or other mortgage relief. Under the
MARS Rule, lawyers can require you to pay an upfront fee, but only if:
QQ They’re licensed to practice law in the state where you live or your house is located;
QQ They’re providing you with real legal services;QQ They’re complying with state ethics
requirements for attorneys; andQQ They place the money in a client trust account,
withdraw fees only as they complete actual legal services, and notify you of each withdrawal.
Unfortunately, some people advertising mortgage assistance relief services falsely claim to be getting you help from lawyers. So before you hire someone who claims to be an attorney or claims to work with attorneys, do your homework:
QQ Get the name of each attorney who’ll be helping you, the state or states where the attorney is licensed, and the attorney’s license number in each state. Your state has a licensing organization – or “bar” – that monitors attorney conduct. Call your state bar or check its website to see if an attorney you’re thinking of hiring has gotten into trouble. The National Organization of Bar Counsel has links to your state bar: www.nobc.org/Bar_Associations_and_Disciplinary_Authorities.aspx
QQ Ask relatives, friends, and others you trust for the name of an attorney with a proven record of getting help for homeowners facing foreclosure.
QQ Beware of attorneys who make bold promises or try to pressure you into hiring them.
Warning SignsIf you’re looking for a loan modification or other help to save your home, avoid any business that:
QQ guarantees to get you a loan modification or stop the foreclosure process – no matter what your circumstances;
QQ tells you not to contact your lender, lawyer, or housing counselor;
4 FTC Facts For Consumers
For The Consumer Federal Trade Commission ftc.gov 1-877-ftc-help
QQ claims that all or most of its customers get loan modifications or mortgage relief;
QQ asks for an upfront fee before providing you with any services (unless it’s a lawyer you’ve checked out thoroughly);
QQ accepts payment only by cashier’s check or wire transfer;
QQ encourages you to lease your home so you can buy it back over time;
QQ tells you to make your mortgage payments directly to it, rather than your lender;
QQ tells you to transfer your property deed or title to it;
QQ offers to buy your house for cash for much lower than the selling price of similar houses in your neighborhood; or
QQ pressures you to sign papers you haven’t had a chance to read thoroughly or that you don’t understand.
Where to Find Legitimate HelpIf you’re having trouble paying your mortgage or have gotten a foreclosure notice, contact your lender immediately. You may be able to negotiate a new repayment schedule.
Other foreclosure prevention options, including reinstatement and forbearance, are explained in Mortgage Payments Sending You Reeling? Here’s What to Do, a publication from the FTC. Find it at ftc.gov/yourhome.
You also may contact a credit counselor through the Homeownership Preservation Foundation (HPF),
a nonprofit organization that operates the national 24/7 toll-free hotline (1.888.995.HOPE) with free, bilingual, personalized assistance to help at-risk homeowners avoid foreclosure. HPF is a member of the HOPE NOW Alliance of mortgage servicers, mortgage market participants and counselors. More information about HOPE NOW is at hopenow.com.
Report FraudIf you think you’ve been the victim of foreclosure fraud, contact the Federal Trade Commission, ftc.gov, or your state Attorney General’s office, naag.org or the Better Business Bureau, bbb.org.
For More InformationTo learn more about mortgages and other credit-related issues, visit ftc.gov/credit and MyMoney.gov, the U.S. government’s portal to financial education.
The FTC works to prevent fraudulent, deceptive and unfair business practices in the marketplace and to provide information to help consumers spot, stop and avoid them. To file a complaint or get free information on consumer issues, visit ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. Watch a new video, How to File a Complaint, at ftc.gov/video to learn more. The FTC enters consumer complaints into the Consumer Sentinel Network, a secure online database and investigative tool used by hundreds of civil and criminal law enforcement agencies in the U.S. and abroad.
Federal Trade CommissionBureau of Consumer Protection
