Checklist of Required Homeowner’s...

Jen Link, is a registered Keller Williams Realty Professional Partners Realtor

Checklist of Required Homeowner’s Documentation

We appreciates the opportunity to assist you in short selling your home! In order to get a short sale reviewed for approval certain

documentation listed below must be provided.

**READ ALL INFORMATION PROVIDED** **PLEASE DO NOT SEND ORIGINAL DOCUMENTS**

Two Most Recent Pay Stubs for all parties on the loan to cover 30 days

Two Years Most Recent Tax Returns (Need 1st 2 pages of 1040 Federal tax returns and any schedules filed A- F & if most recent

year not filed will need a copy of extension letter**please sign signature page of tax returns)

Two years W-2’s

Yearly Retirement Income Award Letter (If retired)

Year to Date Profit & Loss Statement (if self employed)

Unemployment Earnings Statement (if unemployed)

Lease agreements for any rental income being received

Two Months Most Recent Bank Statements All Pages (can't accept online activity print outs)

Mortgage Payment Coupon (s)

Explanation of Hardship Signed & Dated by All Parties

Supporting Documents for Hardship

o Letter of Termination/Layoff Notice

o Job Relocation Letter

o Death or Illness in Family Documentation/Medical Bills

o Divorce Decree/Separation Agreement

o Child Support/Alimony Documents

Signed Checklist of Required Homeowners Documentation

Homeowner’s Acknowledgement and Agreement (attached)

Homeowner’s Questionnaire (attached)

Financial Statement (attached)

Authorization to Release Information (attached)

Hold Harmless Agreement (attached)

FYI on Short Sales (attached)

Mortgage Assistance Relief Services Disclosure (attached)

Short Sale Broker Privacy Agreement & Disclosure (attached)

Signed 4506-T (attached)

Homeowner has reviewed and understands his/her cooperation is required. It is important that we receive all required documents and

forms in a timely manner and that without the complete information requested above we can’t assist homeowner in requesting a short sale

approval. Please understand that certain documents expire every 30 days and we may have to request updated documents from

you several times during the short sale process.

_______________________________ ___________________________ ______________

Printed Name of Homeowner Signature of Homeowner Date

_______________________________ ___________________________ ______________


Jen Link 1626 N Litchfield Rd # 110, Goodyear, AZ 85395

Office: 623-875-5391 Cell: 602-790-9928 Fax: 623-243-4260 [email protected]

mailto:[email protected]


HOMEOWNER’S ACKNOWLEDGEMENT AND AGREEMENT

I am requesting consideration of a short sale based on financial hardship. I understand that my eligibility for a short sale will depend on a

satisfactory analysis by the lending agency. I understand that the standard processing time could be at least 3 months.

I understand that any and all collection activities, including foreclosure proceedings will continue until an approved short sale has closed,

the account has been paid in full or the default has otherwise been resolved.

I acknowledge that the financial statement that I will submit in connection with a proposed short sale of the secured property accurately

describes my financial condition. All documentation I present is true, accurate and correct to the best of my knowledge.

I understand that if it is determined that the financial information presented has been misrepresented by me, I could be liable for any and

all losses or damages suffered by the Lien Holder, Servicer, Agent and/or Assignees, Investor, Broker and/or Private Insurance Agency.

I understand that the lenders may require a valuation of the property based on an interior and exterior inspection, and I agree to provide

Lender’s appraiser or broker with such access to the property as deemed necessary by the lender, appraiser or broker.

I understand that it may be necessary for me to provide additional documentation to verify a change in my financial situation and/or

hardship, or the status of the secured property prior to the close of the short sale and that such documentation may include re-verification

of my financial status at the time of loan origination.

I agree that Jen Link reserves the right to terminate the processing of my short sale request if I fail to provide all requested documentation.

I understand that the lender could report any short sale transaction information to the IRS as may be required by IRS regulations. It is my

responsibility to consult with a tax advisor and/or legal counsel.

I agree that Jen Link cannot and has not made any guarantee regarding whether the short sale will occur and whether the lender will take

any action against homeowner.

____The above referenced property IS currently OWNER occupied.

____The above referenced property IS currently TENANT occupied.

____The above referenced property IS NOT occupied and is vacant

When this document is signed by all borrowers who are named on the account, it serves as written consent for Jen Link and/or her

assignees to begin assisting me with my short sale request.

_______________________________ ___________________________ ______________


_______________________________ ___________________________ ______________


Jen Link

1626 N Litchfield Rd # 110, Goodyear, AZ 85395 Office: 623-875-5391 Cell: 602-790-9928 Fax: 623-243-4260

[email protected]



HOMEOWNER’S QUESTIONNAIRE

Homeowner Personal Information

Borrower Name: _________________________________________Social Security #: __________________________DOB: _________________

Co-Borrower Name: ________________________________________Social Security #: _________________________DOB: ________________

Home Phone: _____________________________________________ Cell Phone: ______________________________________________

Email Address (s): _______________________________________________________________________________________________________

Subject Property Address: _________________________________________________________________________________________________

Mailing Address: ________________________________________________________________________________________________________

Mortgage and Loan Information

Mortgage Co. # 1: __________________________________________________ Loan #:____________________________________________

Phone #: ____________________________________________________________

Approximate Balance $: ______________________________ Is this an Original Purchase Loan?: ____________________________

Mortgage Co # 2: __________________________________________________ Loan #: ___________________________________________

Phone #: _____________________________________________________________

Approximate Balance$: _______________________________ Is this an Original Purchase Loan?: ____________________________

Is this a HELOC:___________________

Homeowners Association Information

Home Owner’s Association (HOA) Name: ____________________________________________________________________________________

HOA Phone #: _____________________________________ HOA Monthly Dues: ______________________________

Are you current on your HOA dues, and if not how much do you owe? _____________________________________________________________

Property/Payment History Information

Are you current on your mortgage payments, and if not what is the last payment accepted by your mortgage lender?: ________________________

______________________________________________________________________________________________________________________

Are you in Foreclosure at this time?: ______________________________If yes has an auction sale date been set?: _________________________

Have you applied for a loan modification with your lender?____________________ If "yes" what was the outcome of the loan modification

request?________________________________________ _____________________________________________________________________

Are you considering OR currently in a Bankruptcy?__________________________________________________________________________

Do you have any additional liens on subject property? ________________________________________________________________________

______________________________________________ ________________________________________ _________________


________________________________________________ _________________________________________ _________________



FINANCIAL STATEMENT

Borrower Information Name Social Security Number

Name Social Security Number

Home Telephone Number Work Telephone Number

How Many People Live in Household? How Many Cars are at Household?

Address Information Home Address

Property Address (if different)

Assets Description Est. Value Amount Owed Net Value

Primary Home $ $ $

Other Home $ $ $

Auto $ $ $

Boats/Trailers $ $ $

Checking/Savings $ $ $

Cash Value of Life Insurance $ $ $

IRA/CDs/Stocks/Bonds $ $ $

TOTAL $ $ $

Monthly Income Description Borrower Co-Borrower Total

Net Income Job 1 $ $ $

Net Income Job 2 $ $ $

Child Support/Alimony $ $ $

Retirement/Pension $ $ $

Social

Security/Disability

$ $ $

Rental Income

Other $ $ $

TOTAL $ $ $

Expense Information Category Description Monthly

Payment

Balance Due Delinquent

(Y or N)

Monthly Payments Subject Property Mortgage 1

Subject Property Mortgage 2

Mortgages on other properties

Rent

Alimony/Child Support

Homeowners Association Fees

Property Insurance (if not included in Mortgage

Payment)

Property Tax (if not included in Mortgage

Payment)

Loans Auto

Auto

Boat/Trailer

Furniture/Appliances

Student Loans

Personal Loans


Other:

Credit Cards #1

#2

#3

#4

Utilities Electricity

Gas

Telephone

Cellular

Water

Trash/Sewer

Internet

Cable

Insurance Auto

Health

Life

Medical (Not covered by

insurance)

Medical Bills/Co-pays

Prescriptions

Car Gasoline/Maintenance

Monthly Parking

Food Groceries

School or Work Lunches

Misc. Spending Money/Entertainment

Child Care

Household Supplies

Collections

IRS Liens

Charity/Donations

Property Maintenance

Other

TOTAL

Recap Item Current

Total Income $

Total Expenses $

Difference $

I agree that the financial information provided is an accurate statement of my financial status. I understand and acknowledge that any

action taken by the lender of my mortgage loan on my behalf will be made in strict reliance to the financial information provided.

Submitted this ________ day of ________________, 20____.

BY______________________________________ _______________

Signature of Borrower Date

BY______________________________________ _______________

Signature of Borrower Date


AUTHORIZATION TO RELEASE INFORMATION

1st Mortgage: ___________________________________________________

Loan Number: __________________________________________________

Lender Phone Number: ___________________________________________

2nd Mortgage: __________________________________________________

Loan Number: __________________________________________________

Lender Phone Number: ___________________________________________

Property Address: _______________________________________________

_______________________________________________

I/We hereby authorize you to release to Jenny Link of Keller Williams Realty Professional Partners and/or Taryn

Wojtkowski of Keller Williams Realty Professional Partners and/or________________________

_______________ of_____________________________________ her assignee any and all information that they

may require for the transfer, reinstatement, or payoff of my loan/account for the above referenced property. They

may reproduce this document to acquire reference from more than once source.

____________________________ _______________________ _________

Borrower Signature: Social Security Number: Date:

Printed Name: ______________________________________

____________________________ _______________________ _________

Borrower Signature: Social Security Number: Date:

Printed Name: ______________________________________

Jen Link 1626 N Litchfield Rd # 110, Goodyear, AZ 85395

Office: 623-875-5391 Cell: 602-790-9928 Fax: 623-243-4260 [email protected]



WAIVER OF LIABILITY AND HOLD HARMLESS AGREEMENT

The undersigned parties agree to seek independent counsel pertaining to the sale of their home, land, real property

in the matters of state and federal taxes and legal implications. The undersigned sellers shall contact the

appropriate real estate attorney and/or certified public accountant to obtain qualified counsel related to implications

of selling the below mentioned address. Jen Link and/or Keller Williams Realty Professional Partners shall not be

held liable for any damages of seller. Seller shall further indemnity and hold harmless Jen Link and/or Keller

Williams Realty Professional Partners from any acts of seller.

Address: City & State:

IN SIGNING THIS RELEASE, I (we) ACKNOWLEDGE AND REPRESENT THAT I (we) have read the

forgoing Waiver of Liability and Hold Harmless Agreement. I (we) understand it and sign voluntarily as my own

free act and deed; no oral representations, statements or inducements, apart from the foregoing written agreement,

have been made; I (we) am at least eighteen (18) years of age and fully competent; and I (we) execute the Release

for full, adequate and complete consideration fully intending to be bound by same.

THIS IS A RELEASE

READ BEFORE SIGNING

Sellers Printed Name Sellers Printed Name

Seller Signature Seller Signature

Date Date

Jen Link


[email protected]



FYI on Short Sales

The following is a condensed version of the most popular questions a seller may have on short sales. As a REALTOR®, I am not licensed as a lawyer or a CPA and

cannot advise on all matters of the short sale process. Please obtain advice from a competent real estate lawyer on legal issues and discuss with your accountant on

the tax ramifications that may be unique to your specific situation.

What is a short sale? A short sale, also known as a short pay or short payoff, allows a homeowner to sell their property for less than the amount owned to the bank. When the market value of the property is less than the amount owed, the owner is considered up-side-down. The proceeds from the sale are used to pay-off the outstanding amount of the mortgage.

Although the proceeds will be “short” amount actually owed on the mortgage, it allows a homeowner the opportunity to avoid foreclosure. Ultimately it may put their credit

standing in a better position than if an actual foreclosure were to take place. The entire process hinges on the approval of the lender to accept less than the amount due.

What are the credit implications to a short sale?

The property owner's credit could be negatively and severely affected. Here is why. Say the homeowner owes $100,000 on the foreclosed property, but the lender only gets

$70,000 from the sale. The lender may be able to then sue the homeowner for the $30,000 difference. But, the homeowner won't have the $30,000. If he did, he most likely

wouldn't have gone into foreclosure in the first place. If the lender chooses to sue, and the homeowner cannot pay, a deficiency judgment would appear on the homeowner's credit report, negatively affecting the homeowner's credit (At present, Arizona has an anti-deficiency law whereas a borrower has protection against a deficiency judgment

in some cases. It is advisable to consult with an attorney regarding deficiency judgments).

Often, the bank chooses not to sue, but to take the loss as a tax write-off. In this case, there would be no deficiency judgment on the homeowner's credit report; however,

there is another implication. The $30,000 that the homeowner did not have to pay may be considered by the IRS to be income. The lender will send a 1099c to the

homeowner at the end of the year, and the homeowner may be required to pay taxes on that $30,000. Even when the bank chooses not to sue, the foreclosure can end up showing up in credit checks because it is a public record. It is advisable to obtain advise from a CPA regarding tax consequences of a foreclosure or short sale.

The hit homeowners take on their credit score is less on a short sale than on a foreclosure. A homeowner involved in a short sale will see an 80 to 200 point drop on his or her credit score. A foreclosure is a 250 to 280 point hit. This is only an estimate, each individual case may vary.

What information will the bank need to decide whether to accept a short sale?

The sellers’ submission package should include pay stubs from employers (or a letter explaining the seller is unemployed), bank statements, two years of tax returns, and

other financial documents outlining income and debt obligations. The bank will also need comps or a broker’s price opinion showing your estimate of value.

In addition, the sellers should submit a “hardship letter,” explaining the circumstances that make it impossible for them to pay the full amount of the loan. The seller needs

to be able to show true financial hardship. Someone with the assets or the income to pay may be unlikely to be considered, say most interviewees.

What are the options besides a short sale?

Thanks to programs such as those proposed by Fannie Mae and Freddie Mac to assist sub-prime borrowers, many lenders may be more willing to offer loan modification

options. This option can extend the term of the loan, add on delinquent payments to the loan principal, and/or reduce the interest rate to make the loan more manageable for

the home owner. Another option is a repayment plan that requires home owners to increase their monthly payments until the loan is current.

Loan Resolution (Loss Mitigation) Options:

Repayment Plan:

Distributes the owner’s delinquent payments over a period of time, usually no more than 10 months. The monthly amount is added to the usual mortgage payment. Brings the account up-to-date within a specified time-frame. With a goal in sight, the owner can move forward knowing that the home is secure.

Forbearance Plan:

An agreement to temporarily allow a homeowner to pay less that the actual amount due on their mortgage or it will suspend payments entirely the forbearance period. More commonly associated with Fannie Mae, Freddie Mac, FHA, and VA. Each has various requirements a homeowner must meet, it is very situation specific so the homeowner

should contact the lender directly to see if forbearance is an option. The goal is to put the homeowner back on track to resume full regular payments.

Loan Modification:

Applies any past-due interest and escrow amounts to the unpaid principal balance, which is then re-amortized over a new term. Changes over a new term. Changes to mortgage note itself, giving the owner a fresh start on managing their loan. Brings the account up-to-date immediately. There are many requirements; the homeowner must

contact the servicing lender for details of their individual circumstances.

Partial Claim (only for FHA loans):

The Department of Housing and Urban Development (HUD) advances a loan to repay the past-due interest and escrow amounts. HUD loan is interest-free. Brings the account up-to-date immediately.

FHA Pre-Foreclosure/Short Sale Requirements:

The property is owner-occupied or reasonable circumstances exist if it is not. The loan is at least 2 months delinquent. The house can sell within 3 to 5 months. A new

appraisal (obtained by your lender) shows that the value of your home meets HUD program guidelines. It has been reported that FHA does not allow for short sales, which is inaccurate, FHA does allow them.

Deed In Lieu of Foreclosure:


Allow the owner to transfer the property voluntarily to the servicing bank if the seller is unable to maintain payments and cannot sell the home at market value. Avoids the lengthy legal process involved in foreclosure. May be less damaging to the credit rating than foreclosure (this option is a foreclosure and may be reported as such).

How should the property be priced in a short sale?

In general, most short sale experts say to price the property at or near fair market value, although a few will begin with the total payoff amount owned by the seller. How

frequently prices are dropped will depend in part on whether the property is in pre-foreclosure. Most banks have a formula for what percentage under market value they will accept, say interviewees.

How long does it take to complete a short sale?

Although response times vary from lender to lender, it can take two weeks or as long as 6+ months to receive an approval of a short sale from a lender. That’s why it’s

critical that buyers and their representative understand and accept that time frame before they make an offer.

What can the seller and I do to make a short sale more attractive to a lender? Getting a lender to approve a short sale is primarily a question of economics. You have to provide hard numbers to show that the amount of money a bank will realize on the

short sale is better than the amount it may recoup from foreclosing on the property and selling the property.

What are the seller’s options if a short sale is rejected by the lender?

There are a variety of reasons a bank will reject a short sale — from too low a price to too many files on the loss mitigation’s desk. You can look for another buyer or even try resubmitting the same contract. Banks don’t want to take properties back in foreclosure, so they are going to do everything they can to make it work. Keep in mind that

throughout the process there’s the possibility of foreclosure.

What tax liabilities will a seller have as a result of a short sale? Again, one often overlooked aspect of short sales is that a seller must count any amount forgiven by the lender as income and pay taxes on that income, even if no actual

money was received. The IRS requires lenders to submit a Form 1099 stating the forgiven amount. Ask your CPA for all details.

Credit Reporting;

Credit scores are obviously going to suffer: there is no way around that. There are just way too many variables going into the credit score to know the actual effect of a short sale. The loan will show on the credit report as “Paid,” however, in most cases it will also note, “Settled for less than amount owed.” Depending on how far behind on

payments a borrower gets, it may also reflect as “Pre-foreclosure” on the credit report. Many lenders consider 90 day past due to be a foreclosure whether or not the property

was formally sold by the bank. It would be a good idea to ask for the lenders policy on reporting short sales to the credit bureaus.

This disclosure does not list all possible repercussions of a short sale. It is designed for upfront disclosure only, individual circumstances may vary. Once again, please

obtain advice from a competent real estate lawyer on legal issues and discuss with your accountant on the tax ramifications that may be unique to your specific situation.

Seller (print name) Date Seller (Print Name) Date

Property Address City State Zip

Signature Date Signature Date

Jen Link


[email protected]

Resources & Links: http://www.realtor.org/government_affairs/short_sales_hafa http://www.azag.gov/consumer/foreclosure/documents/StateTaskForceWorkbook.pdf http://www.irs.gov/individuals/article/0,,id=179414,00.html http://www.azcentral.com/arizonarepublic/news/articles/0706shortsale0706.html http://www.ssqconsulting.com/index_files/productlist.htm http://www.realtor.org/rmomag.NSF/pages/Feat1200706?OpenDocument http://www.makinghomeaffordable.com/contact_servicer.html http://homebuying.about.com/cs/yourcreditrating/a/credit_score.htm


http://www.azcentral.com/arizonarepublic/news/articles/0706shortsale0706.html

http://www.azcentral.com/arizonarepublic/news/articles/0706shortsale0706.html

http://www.ssqconsulting.com/index_files/productlist.htm

http://www.realtor.org/rmomag.NSF/pages/Feat1200706?OpenDocument

http://www.realtor.org/rmomag.NSF/pages/Feat1200706?OpenDocument

http://homebuying.about.com/cs/yourcreditrating/a/credit_score.htm

SHORT SALE ADDENDUM TO THE LISTING CONTRACT MARS COMPLIANCE

Date:

If you stop paying your mortgage, you could lose your home and damage your

credit rating.

Premises:

Seller(s):

Seller(s):

IMPORTANT NOTICE: You may stop doing business with us at any time. You may accept or reject

the offer of mortgage assistance we obtain from your lender or servicer. If you reject the offer, you do not have to pay us. If you accept the offer, Keller Williams Professional Partners will be compensated by your

lender in accordance with the attached Exclusive Right to Sell Agreement (ER). Keller Williams is not associated with the government, and our service is not approved by the government or your lender. Even if

you accept this offer and use our service, your lender may not agree to change your loan.

Seller is aware that Keller Williams Realty Professional Partners at times, will utilize the services of other licensed agents outside of the company to process parts of the short sale and that agent will be compensated by Keller

Williams Realty Professional Partners accordingly.

Seller: Date:

Seller: Date:

SHORT SALE BROKER PRIVACY AGREEMENT AND DISCLOSURE

Date:

Introduction: As a valued customer, we understand that the privacy and confidentiality of your personal information is of the utmost importance to you. We respect and share your desire to maintain that confidentiality. In an attempt to assuage any fears you may have with respect to sharing that information, this document sets forth the Broker’s policy and commitment to you regarding the types of information we collect, our use of that personal information and our efforts undertaken to protect that information.

Premises:

Seller(s):

• We collect and retain certain personal and financial information pertaining to you because we reasonably believe such information will enable our brokerage to deliver those services necessary to meet your goals. That information may include sensitive financial data, which is protected under the Gramm-Leach-Bliley Act governing the use and collection of such information for financial and real estate settlement purposes. In addition, we may request other personal information from you that is not publicly available.

• We do not sell any personal information about you. During the normal course of business, however we

may need to share your personal information with legitimate Third Parties. For example, we may share this information when: (1) the information is necessary for the completion of the transaction, (2) in order to verify the condition of your credit status or accounts with that third-party, (3) in order to comply with a governmental agency or pursuant to a court order, (4) upon your consent for personal reasons, (5) or as permitted or authorized by law.

Policy:

1. Definitions:

• Personal Information – Any documents or electronic files containing information relative to the Client’s

financing, including, but not limited to the following: Statements for any accounts held with any financial institution, any revolving and/or credit card accounts, any information regarding mortgages, promissory notes or loans, FICO scoring results and credit histories, social security numbers, tax returns, addresses, electronic mail addresses and phone numbers.

• Broker- The real estate brokerage with which the client has entered into a real estate services agreement,

inclusive of all agents and employees of that brokerage.

• Client- The undersigned client of the Broker.

2. Storing of Personal Information:

• Physical Documents- Any and all physical documentation containing personal information will be kept in file cabinets and/or file rooms that are capable of being locked by the broker or agent of the broker. Agents of the broker do maintain home offices and file cabinets may be in those home offices. Those documents must be kept in such a manner reasonably intended to preclude any unauthorized third party from obtaining access to the physical documents.

• Electronic Files- Any and all personal information kept in electronic format must be stored on a computer

and/or electronic server that is password protected and only accessed by authorized agents, brokers or employees of agents and brokers. Those electronic files must be kept in such a manner reasonably intended to preclude any unauthorized third party from obtaining access to electronic files.

3. Transmission of Personal Information:

• Electronic Mail- Any and all electronic mail containing personal information communicated to any legitimate third party shall be done in such a manner as to avoid the interception of that communication. Specifically, Broker and agents of Broker shall take such steps as are reasonable to ensure that any email transmitted is to the correct third party and contains the following language “The Contents of this Email are private and confidential. To that end, if you believe you have received this email in error, you are advised to immediately delete this email and contact the sender.”

• Facsimile(Fax)- Any and all facsimiles containing personal information communicated to any legitimate third party shall be done in such a manner as to avoid the interception of that communication. Specifically, Broker and agents of Broker shall take such steps as are reasonable to ensure that any facsimile transmitted is to the correct third party and contains the following language “The Contents of this facsimile are private and confidential. To that end, if you believe you have received this facsimile in error, you are advised to immediately destroy these documents and contact the sender.” The cover page shall not identify or disclose any of the personal information contained in the facsimile.

• Third parties- With respect to any third party, Broker and agents of broker shall ensure that prior to transmittal of personal information that the third party has consented to be bound by the terms of this document or is already bound by an equivalent.

4. Destruction of Files:

• Upon the termination of Broker’s relationship with the client, Broker or agent of the Broker shall destroy and/or delete those physical documents and electronic files containing personal information of the client that Broker is not otherwise required to retain by law.

5. Notice to Clients:

• Upon any breach of the security of the client’s personal information, Broker shall immediately inform the client so that the client may take such remedial steps as are necessary to protect the client. Broker shall take any and all additional actions reasonably required to protect client.

Waiver and Release of Information: By virtue of this document, the client has been informed of those policies, procedures and actions undertaken by Broker to protect the client’s personal information. Client understands, acknowledges and agrees that, notwithstanding the best efforts of the Broker, certain information may be obtained by non parties to this agreement. In no event shall client hold Broker liable for the criminal acts of anyone whomsoever in seeking or obtaining personal information. Client hereby acknowledges the receipt of this privacy policy and elects and agrees to the release of the personal information to Broker.

Seller: Date:

Seller: Date:

Form 4506-T(Rev. January 2010)

Department of the Treasury Internal Revenue Service

Request for Transcript of Tax Return

© Request may be rejected if the form is incomplete or illegible.

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 also call 1-800-829-1040 to order a transcript. 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 or employer identification number (see instructions)

2a If a joint return, enter spouse’s name shown on tax return. 2b Second social security number if joint tax return

3 Current name, address (including apt., room, or suite no.), city, state, and ZIP code

4 Previous address shown on the last return filed if different from line 3

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. The IRS has no control over what the third party does with the tax information.

Caution. If the transcript is being mailed to a third party, ensure that you have filled in line 6 and line 9 before signing. Sign and date the form once you have filled in these lines. Completing these steps helps to protect your privacy.

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 1120A, Form 1120H, Form 1120L, 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 30 calendar days. .

c Record of Account, which is a combination of line item information and later adjustments to the account. Available for current year and 3 prior tax years. Most requests will be processed within 30 calendar 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 2007, filed in 2008, will not be available from the IRS until 2009. 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 45 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.

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, either husband or wife must sign. If signed by a corporate officer, partner, 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 signature date.

Telephone 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. 1-2010)

Form 4506-T (Rev. 1-2010) Page 2

General Instructions Purpose of form. Use Form 4506-T to request tax return information. You can also designate a third party to receive the information. See line 5. Tip. Use Form 4506, Request for Copy of Tax Return, to request copies of tax returns.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 RAIVS teams, send your request to the team based on the address of your most recent return.Automated transcript request. You can call 1-800-829-1040 to order a transcript through the automated self-help system. Follow prompts for “questions about your tax account” to order a tax return transcript.

Chart for individual transcripts (Form 1040 series and Form W-2)

If you filed an individual return and lived in:

Mail or fax to the “Internal Revenue Service” at:

Florida, Georgia, North Carolina, South Carolina

RAIVS Team P.O. Box 47-421 Stop 91 Doraville, GA 30362

770-455-2335Alabama, Kentucky, Louisiana, Mississippi, Tennessee, Texas, a foreign country, or A.P.O. or F.P.O. address

RAIVS Team Stop 6716 AUSC Austin, TX 73301 512-460-2272

Alaska, Arizona, 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

RAIVS Team Stop 37106 Fresno, CA 93888

559-456-5876

Arkansas, Connecticut, Delaware, District of Columbia, Maine, Maryland, Massachusetts, Missouri, New Hampshire, New Jersey, New York, Ohio, Pennsylvania, Rhode Island, Vermont, Virginia, West Virginia

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 the “Internal Revenue Service” at:

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, Tennessee, Texas, Utah, Washington, Wyoming, a foreign country, or A.P.O. or F.P.O. address

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, Vermont, Virginia, West Virginia, Wisconsin

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) shown on the return. For example, if you are requesting Form 1040 that includes Schedule C (Form 1040), enter your SSN.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.

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.

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 Internal Revenue Code 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. 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.

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, and the District of Columbia 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 the Internal Revenue Service, Tax Products Coordinating Committee, SE:W:CAR:MP:T:T:SP, 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.

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