Income Verification Express Service

 

The IRS IVES program lets taxpayers authorize third parties (IVES participants) to request their tax return or wage transcripts to obtain a residential or commercial mortgage on real property (real estate). IVES participants can include banks, credit unions, mortgage brokers, third parties, and others servicing clients within the mortgage lending industry to obtain mortgages.

The IRS only provides tax records to a third party with the consent of the taxpayer.

Income verification for taxpayers

You can authorize a lender to request your tax transcript through your online account or fax, with Form 4506-C, IVES Request for Transcript of Tax Return. Find out how to review a request, authorize a request, or reject a request below.

IVES for taxpayers

Income verification for participants

If you're a mortgage lending company, including banks, credit unions, or others, you can participate in IVES by completing the application process. Submit transcript requests online or by fax with Form 4506-C, IVES Request for Transcript of Tax Return.

IVES for participants

Forms

Form 4506-C, IVES Request for Transcript of Tax ReturnPDF

Use Form 4606-C, IVES Request for Transcript of Tax Return, to request tax return information through an authorized IVES participant.

Related

IVES frequently asked questions

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IRS information sharing programs