Search Our Site:

 IRS Transcripts:
How To Get Them

IRS transcripts and other income tax account information – 



are as much important as your credit report: They are powerful tools to help lenders decide on your loan!

AND they all need to be accurate  in order to attain 
financing for your new home

 …and to attain good rates!

So do check everything IRS has on your last 2 or 3 years files. Then correct any discrepancies right way - all before you begin any other  part of your homebuying quest

I cannot over emphasize how important this is.

It is very little known that, when you apply for a home loan, one of the many documents you will be signing is the Form 4506-T (Request For Transcript Of Tax Return) - it authorizes the lender to ask the IRS to release your tax records for the last 2 or 3 years [can be 4 years].

It customarily depends on weather you are ‘employed’ or ‘self-employed’ …lenders tend to favor more those folks who ‘have a job’ and they will request only two years …where, maybe, for  than those how work for themselves will have to present documentation for the past 3 years 

…but not to worry, if you can show that you are making adequate amount of money for the type of home you want to buy, everything should be alright…

I have bought 5 homes thus far AND I have always been self-employed!

 Regardless what your employment case may be, it is of enormous importance that the copy of your income tax return that you present to lender be as exact as what the IRS transcripts will show in their files.


Where To Get Your IRS  Transcripts

So without much ado, let’s see how to get IRS transcripts:

Go to www.irs.gov

== > you will land on their home page – there you will see 4 pictures on top …below the picture of a man with glasses you will read “Tools”

== > click on the link “Get Transcripts of your Tax records

== > When you land on that page you will see two blue box the first will give you the option of ‘Get Transcript ONLINE’ = chose this one, because it will be emailed to almost immediately …the other one will come by ‘snail mail’ ‘within 5 to 10 days…

==>  In this box you will have a nice sub-menu = look very closely which option will fit best for what you are looking for



  • o   Tax Return Transcripts show most line items from your tax return (Form 1040, 1040A or 1040EZ) as it was originally filed, including any accompanying forms and schedules. This transcript does not reflect any changes you, your representative or the IRS made after you filed your return. In many cases, a Return Transcript will meet the requirements of lending institutions offering mortgages and student loans
  • o   Tax Account Transcripts provide any adjustments either you or we made after you filed your return. This transcript shows basic data, including marital status, type of return filed, adjusted gross income and taxable income
  • o   Record of Account == > This one gives you the information from tax account AND tax account transcript = So I recommend that you select this one
  • o   Wage and Income transcript
  • o   Verification of non-filing letter

  …and more info on how to get IRS transcripts. It is good to read it before you go to the next step …It is also very important that you keep precise notes of info you enter on each field because if you forget one of them you will have a hard time re-establishing it

== > OK, when you click on the ‘Get the transcripts online’ box, there will a disclosure for you to agree to, click ‘OK’

== > assuming that you are doing it for the first time, you will need to create a Login – so enter the requested info on the left side of that page = > please read ‘information you need to verify your identity = then have it ready in order to proceed …after that in consequent visits, you will enter the user id [on the right side]


Information You Need
To Verify Your Identity

  Here is the information you need to verify your identity: The personal information you enter must match the information you provided to IRS on your most recent tax return. IRS uses the following information to verify your identity:

  • Name
  • Social Security Number or Individual Tax ID Number (ITIN)
  • Date of Birth
  • Filing Status = make sure that it matches what you  enter on your tax return for that year that you need transcript, i.e. 

                     - individual, 
                     - head of household, 
                     - married filling joint, 
                     - married filling separate [and so on]

  • Mailing Address
  • Third Party Verification Questions - you must provide answers to questions about personal information such as prior address, mortgage information, etc., that only you should know.


Note: Make sure you are reading directly from your filling copy – unless you do not have it. If you enter any of the information wrong, i.e., you filled as ‘head of household’ but you enter ‘individual’ they ‘will flag you’ …and kick you out of the system

You must also provide IRS with a valid email address, which they will confirm and use to notify you if your registration information changes. Your confirmation email should arrive quickly so check your junk folder if you don't see it right away

== > OK, with all that info in hand, click “get started’ button

Follow each of the steps and you should be successful to get it but again I caution for you make detailed notes of the info you enter there because sooner rather than later you need that info again and if you forget the info you have already entered, you will be kicked out of the system.

I shared this info for some of clients that did not know how to get IRS transcripts and they have it found it easy to navigate and get their issues resolve,

Best of luck! 


Please check these pages for additional related information:

Credit
Credit Check
Free Credit Report
Credit Scores
Loan Application

Credit Application
Calling The IRS
Taxpayer Advocate
Down Payment
Home Grants


Visitors’ Corner:
Share YOUR Tips,
Comments And Questions

Now it is YOUR turn: Please give us your input!

Do you have some great comments on this topic you would like to share? Any question burning on your head? I would love to publish

YOUR IRS Transcripts Story /Tips

Share it here and now! No membership required. No signing in bugger here. Anyone can contribute. Yes, even professionals in the field – lawyers, social workers, mortgage consultants or even other fellow real estate agents!

Everyone is welcome: Just open your heart!

I’d love to hear from you – simply click and follow instructions below





JC Fagundes, RE Agent |SERVICE. EXPERIENCE. EXCELLENCE.


› IRS Transcripts

Return To The Top Of This Page

Disclosures

Contact Us

Search More Within Our Site:

JC Fagundes - Agent at American Realty Professionals

To Search All Georgia Properties Listed
On This Site, Please Click Here:

Sitemap


To Calculate Your Mortgage Monthly Payments, Please Click Here:
Mortgage Monthly Payment Calculator


"All Real Estate Is Local:"
Here Are
Homes For Sale
In Many Communities
Around Atlanta that I specialize.
I Also Will Be Honored
To Serve As Your Agent -
If You Still Do Not Have One To Represent You.
Immediately below You will find links to daily updated for ALL homes for sale
in the following areas:


HOMES
FOR
SALE


Homes Listed
BY COUNTY:

COBB COUNTY HUB
Homes For Sale In 
Cobb Co
DeKALB COUNTY HUB
Homes_For_Sale_In
DeKalb_Co

FULTON COUNTY HUB
Homes_For_Sale_In
Fulton_Co

GWINNETT COUNTY HUB
Homes_For_Sale_In
Gwinnett_Co


Homes Listed 
BY CITY

Links To
Single Family Homes For Sale -
In
Alphabetical Order

By City:


Homes For Sale In
Acworth

Homes For Sale In
Austell
Homes For Sale In
Alpharetta

Homes For Sale In
Atlanta
Homes For Sale In
Avondale
Estates

Home For Sale In
Buford

Home For Sale In
Centerville
Homes For Sale In
Chamblee

Home For Sale In
Dacula

Homes For Sale In
Decatur

Homes For Sale In
Doraville
Home For Sale In
Duluth

Homes For Sale In
Dunwoody

Home For Sale In
Grayson

Homes For Sale In
Hapeville

Homes For Sale In
Johns Creek

Homes For Sale In
Kennesaw
Home For Sale In
Lawrenceville

Home For Sale In
Lilburn
Home For Sale In
Loganville

Homes For Sale In
Mableton

Homes For Sale In
Marietta
Homes For Sale In
Milton

Home For Sale In
Norcross

Home For Sale In
Peachtree
Corners

Homes For Sale In
Powder Springs

Homes For Sale In
Roswell

Homes For Sale In
Sandy Springs
Homes For Sale In
Smyrna
Home For Sale In
Snellville

Homes For Sale In
Stone Mountain

Homes For Sale In
Vinings


CONDOS
FOR
SALE


Condos Listed By County -
COBB COUNTY HUB
Condos For Sale In 
Cobb County

DeKALB COUNTY HUB
Condos For Sale In
DeKalb County

FULTON COUNTY HUB
Condos For Sale In
Fulton County

GWINNETT COUNTY HUB
Condos For Sale In
Gwinnett County


Condos
Listed
BY CITY

Links To Condos, Townhomes and Lofts For Sale In Alphabetical Order
By City:

Condos For Sale In
Acworth

Condos For Sale In
Alpharetta

Condos For Sale In
Atlanta
Condos For Sale In
Austell

Condos For Sale In
Avondale Estates

Condos For Sale In
Chamblee

Condos For Sale In
Decatur

Condos For Sale In
Doraville

Condos For Sale In
Dunwoody
Condos For Sale In
Hapeville

Condos For Sale In
Johns Creek

Condos For Sale In
Kennesaw
 
Condos For Sale In
Lawrenceville

Condos For Sale In
Lilburn

Condos For Sale In
Loganville

Condos For Sale In
Norcross

Condos
 For Sale In
Mableton

Condos For Sale In
Milton

Condos For Sale In
Marietta
Condos For Sale In
Peachtree Corners

Condos For Sale In
Powder Springs
Condos For Sale In
Roswell

Condos For Sale In
Sandy Springs
Condos For Sale In
Snellville

Condos For Sale In
Smyrna

Condos For Sale In
Stone Mountain
Condos For Sale In
Vinings


Commercial
Properties
FOR
SALE


Links To Commercial Properties For Sale Or Rent: 
COBB COUNTY HUB
Commercial Properties
For Sale/Rent In
Cobb County


DeKALB COUNTY HUB
Commercial Properties
For Sale/Rent In 
DeKalb County


FULTON COUNTY HUB
Commercial
Properties
For Sale/Rent In 
Fulton County


GWINNETT COUNTY HUB
Commercial Properties
For Sale/Rent In 
Gwinnett County



Related Pages With
Great Useful Info
to Newcomers and old-timers in these areas - where I work:

COBB HUB
Cobb County Homes For Sale


DEKALB HUB
DeKalb County Homes For Sale


FULTON HUB
Fulton County Homes
For Sale

Sandy Springs Homes For Sale


GWINNETT HUB
Gwinnett County Homes For Sale


To Calculate Your Mortgage Monthly Payments, Please Click Here:
Mortgage Monthly Payment Calculator


To Search All Georgia Properties Listed
On This Site, Please Click Here:
Sitemap


 Search More Within Our Site: