Income Verification Express Service for taxpayers

The IRS Income Verification Express Services (IVES) program lets you authorize third parties (IVES participants) to request your 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. 

IVES only provides transcripts of your tax return or wage transcripts to third parties with your consent.

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How it works

Your lender sends a request to access your tax return transcript through an IRS online account or fax, with Form 4506-C, IVES Request for Transcript of Tax ReturnPDF.

Review a request

Review your request in your IRS online account or on Form 4506-C. Make sure all information on the request is accurate. Carefully review:

  • Taxpayer information. Verify your taxpayer identification number, your current address, previous address, and name.
  • IVES participant contact. Check the third party that will receive your tax transcript from the IRS. 
  • Client contact. Check the financial lender that will receive your tax transcript from the IVES participant. These may be the same company.
  • Transcripts requested. Find a detailed description of each transcript type on page 2 of Form 4506-C, IVES Request for Transcript of Tax ReturnPDF.
  • Tax years requested. Verify the tax years your lender is asking for.

After you review the request, you can approve or reject it. The IRS will only send your tax records to the lender if you approve the request.

Approve or reject a request

To approve a request for the IRS to send your tax return transcript to the listed IVES participant, provide your electronic signature or physical signature. How you sign depends on how you received the request.

To reject a request for the IRS to send your tax return transcript to the listed IVES participant, select "Reject reques" in your online account or don't sign Form 4506-C.

Print and keep a copy of your request for your records.

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