Shown below is a list of the information that we will need in order to
Shown below is a list of the information that we will need in order to process your loan application. When applicable, we will need this information for each applicant. Provided
Needed
_______
_______Completed Loan Application(signed/dated)
_______
_______2005 and 2006 W-2s and a full month of pay stubs
_______
_______Most recent 2 statements (all pages) from each checking, savings, brokerage, investment and retirement accounts. Only 1 statement if received quarterly.
_______
_______A copy of a recent bill, coupon or year end mortgage statement from any loans or mortgages you may have in addition to the most recent year end mortgage statement.
_______
_______2005 and 2006 personal tax returns
_______
_______2005 and 2006 business tax returns
_______
_______2006 Balance Sheet and year-to-date P&L
_______
_______Copy of Social Security Card and Drivers License
_______
_______Executed Earnest Money Contract
_______
_______Original Blue Line Survey (refinance only)
_______
_______Settlement statement from original purchase of home (refinance only)
_______
_______Copy of Divorce Decree if applicable.
_______
_______Application Fee $___________
_______
_______Insurance agent's name, address and phone number.
Please indicate by putting a check in the provided column, those items you have submitted with your application package and return this checklist with your application. Thank you for using Advantage One Mortgage!
INFORMATION DISCLOSURE AUTHORIZATION To whom it may concern: I/we hereby authorize you to release to Advantage One Mortgage, Ltd. ("Lender") and/or its assigns, the following information: EMPLOYMENT HISTORY, DATES, TITLE, INCOME, HOURS, ETC. BANKING AND SAVINGS ACCOUNTS OF RECORD MORTGAGE LOAN RATING(S), BALANCES, ETC. ANY INFORMATION DEEMED NECESSARY IN CONNECTION WITH A CONSUMER CREDIT REPORT FOR TRANSACTIONS WHICH INVOLVE REAL ESTATE. This information is for the confidential use of Lender and/or its assigns in compiling a mortgage credit file for a conventional home loan. A photographic or carbon copy of this authorization (being a valid copy of the signature(s) of the undersigned) may be used as a duplicate original. Your prompt reply will help expedite my real estate transaction. Thank you,
________________________________ Borrower
________________________________ Co-Borrower
________________________________ Social Security #
________________________________ Social Security #
ECOA NOTICE The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided that the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning this creditor is: Federal Home Loan Bank Board of Dallas/Fort Worth.
APPRAISAL NOTICE You have the right to a copy of the appraisal report used in connection with your application for credit. If you would like a copy, please write to us a the address below. We must hear from you no later than 90 days after we notify you about the action taken on your credit application or you withdraw your application. The undersigned applicant(s) hereby acknowledges receipt of the above ECOA and appraisal Notices.
Borrower:
____________________
Co-Borrower: ____________________
Date: _______________ Date: ________________
MORTGAGE BROKER/LOAN OFFICER DISCLOSURE Mortgage Broker or Loan Officer: Joe Bob Everett License Number: 1236 The information in this disclosure is provided to clarify the nature of our relationship, my duties to you, and how I am to be compensated as a Mortgage Broker or Loan Officer. This disclosure is a requirement of the Texas Mortgage Broker License Act. Since I may be working for a company, references to "we or "us" refer to me and any company for which I am working. Check ALL that apply Duties and Nature of Relationship You, the applicant(s), have applied with us for a residential mortgage loan. ; We will submit your loan application to a participating lender which we may from time to time contract upon such terms as you may request or a lender may require. In connection with this mortgage loan, we are acting as an independent contractor and not as your agent. We will enter into separate independent contractor agreements with various lenders. While we will seek to assist you in meeting your financial needs, we do not distribute the products of all lenders or investors in the market and cannot guarantee the lowest or best terms available in the market. In connection with this mortgage loan, we are acting as an independent contractor and not as your agent. We will make your loan ourselves. We may either sell the loan to an investor or retain it. (You will receive a separate disclosure as to how we will handle servicing rights on any such loan.) We have a number of established independent contractor relationships with various investors to whom we sell closed loans. We are not an agent for any such investor in connection with the sale of a loan. While we will seek to assist you in meeting your financial needs, we cannot guarantee the lowest or best terms available in the market. ; We will be acting as follows: How we will be compensated ; The retail price we offer you – your interest rate, total points, and fees – will include our compensation. In some cases we may be paid all or part of our compensation by you or by the lender or investor. Alternatively, we may be paid a portion of our compensation by both you and the lender. For example, in some cases, if you would rather pay a lower interest rate, you may pay higher up-front points and fees. Also, in some cases, if you would rather pay less up-front, you may be able to pay a higher rate, in which case some or all of my compensation will be paid by the lender. We also may be paid by the lender based on other goods, services, or facilities performed or provided by us to the lender. Our pricing for your loan is based upon current wholesale options available to us in the secondary market where closed loans are sold. Fees charged directly to you by us may vary depending on the type of loan for which you have applied.
At the time of this disclosure, we are receiving $0_____ in fees. The services which these fees are being charged include the following: Application fee $0___________ Processing fee $0___________ Appraisal fee $0___________ Credit report fee $0___________ Automated underwriting fee $0___________ Other (List) : ____________________ $___________ Of this amount, $_______ is not refundable unless the amount is required to be refunded under applicable state or federal law upon the exercise of a right of rescission (such as the Truth in Lending Act, 15 U.S.C. § 1600, et seq. and Regulation Z, 12 C.F.R. Part 226 or the provisions of the Home Equity provisions of the Texas Constitution, Article XVI, Section 50. The estimated fees which we will charge will be as shown on the good faith estimate which we are providing to you now or which we will provide you within three (3) days in accordance with the requirements of the Real Estate Settlement Procedures Act and its implementing regulations. IS LICENSED UNDER THE LAWS OF THE STATE OF Joe Bob Everett TEXAS AND BY STATE LAW IS SUBJECT TO REGULATORY OVERSIGHT BY THE DEPARTMENT OF SAVINGS AND MORTGAGE LENDING. ANY CONSUMER WISHING TO FILE A COMPLAINT SHOULD COMPLETE, SIGN, AND SEND A AGAINST Joe Bob Everett COMPLAINT FORM TO THE DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE DOWNLOADED AND PRINTED FROM THE DEPARTMENT’S WEB SITE LOCATED AT WWW.SML.STATE.TX.US OR OBTAINED FROM THE DEPARTMENT UPON REQUEST BY MAIL AT THE ADDRESS ABOVE, BY TELEPHONE AT ITS TOLL-FREE CONSUMER HOTLINE AT 1-877-2765550, BY FAX AT (512) 475-1360, OR BY E-MAIL AT [email protected]. THE DEPARTMENT MAINTAINS THE MORTGAGE BROKER RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN TYPES OF JUDGMENTS AGAINST A MORTGAGE BROKER OR LOAN OFFICER. NOT ALL CLAIMS ARE COMPENSABLE AND A COURT MUST ORDER THE PAYMENT OF A CLAIM FROM THE RECOVERY FUND BEFORE THE DEPARTMENT MAY PAY A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT SUBCHAPTER F OF THE MORTGAGE BROKER LICENSE ACT ON THE DEPARTMENT’S WEB SITE REFERENCED ABOVE. Applicant(s)
Mortgage Broker/Loan Officer
Signed:_____________________
Signed:_______________________
Name:______________________
Name:
Date:_______________________
Date:_________________________
Signed:_____________________ Name:______________________ Date:_______________________
Joe Bob Everett
DISCLOSURE STATEMENT - SERVICING TRANSFER NOTICE TO MORTGAGE LOAN APPLICANTS: THE RIGHT TO COLLECT YOUR MORTGAGE LOAN PAYMENTS MAY BE TRANSFERRED. FEDERAL LAW GIVES YOU CERTAIN RIGHTS. READ THIS STATEMENT AND SIGN IT ONLY IF YOU UNDERSTAND ITS CONTENTS. Because you are applying for a mortgage loan covered by the Real Estate Settlement Procedures Act (RESPA) (12 U.S.C. & 2601 et seq.), you have certain rights under that Federal law. This statement tells you about those rights. It also tells you what the chances are that the servicing for this loan may be transferred to a different loan servicer. "Servicing" refers to collecting your principal, interest and escrow payments. If your loan servicer changes, there are certain procedures that must be followed. This statement generally explains those procedures. TRANSFER PRACTICES AND REQUIREMENTS If the servicing of your loan is assigned, sold, or transferred to a new servicer, you must be given written notice of that transfer. The present loan servicer must send you notice in writing of the assignment, sale or transfer of the servicing not less than 15 days before the date of the transfer. The new loan servicer must also send you notice within 15 days after the date of the transfer. Also, a notice of prospective transfer may be provided to you at settlement (when title to your new property is transferred to you) to satisfy these requirements. The law allows a delay in the time (not more than 30 days after a transfer) for servicers to notify you under certain limited circumstances, when your servicer is changed abruptly. This exception applies only if your servicer is fired for cause, is in bankruptcy proceedings, or is involved in a conservatorship or receivership initiated by a Federal agency. Notices must contain certain information. They must contain the effective date of the transfer of the servicing of your loan to the new servicer, the name, address and toll-free or collect call telephone numbers of a person or department for both your present servicer and your new servicer to answer your questions about the transfer of servicing. During the 60 day period following the effective date of the transfer of the loan servicing, a loan payment received by your old servicer before its due date may not be treated by the new loan servicer as late, and a late fee may not be imposed upon you. COMPLAINT RESOLUTION Section 6 of RESPA (12 U.S.C. & 2605) gives you certain consumer rights, WHETHER OR NOT YOUR LOAN SERVICING IS TRANSFERRED. If you send a "qualified written request" to your loan servicer concerning the servicing of your loan, your servicer must provide you with a written acknowledgment within 20 business days of receipt of your request. A "qualified written request" is a written correspondence, other than notice on a payment coupon or other payment medium supplied by your servicer, which includes your name and account number, and your reasons for the request. Not later than 60 business days after receiving your request, your servicer must provide you with a written clarification regarding any dispute. During this 60 day period, your servicer may not provide information to a consumer reporting agency concerning any overdue payment related to such period or qualified written request.
DAMAGES AND COSTS Section 6 of RESPA also provides for damages and costs for individuals in circumstances where servicers are shown to have violated the requirements of that Section. SERVICING TRANSFER ESTIMATES BY ORIGINAL LENDER The following is the best estimate of what will happen to the servicing of your mortgage loan: X 1. We do not service mortgage loans. We intend to assign, sell or transfer the servicing of your loan to another party. You will be notified at settlement regarding the servicer. OR _____ 2. We are able to service this loan and presently intend to do so. However, that may change in the future. For all the loans that we make in the 12 month period after your loan is funded, we estimate that the chances that we will transfer the servicing of those loans is between _____ and _____ percent. This is only our best estimate and is not binding. Business conditions or other circumstances may affect our future transferring decisions. X
3. This is our record of transferring the servicing of the loans we have made in the past: PERCENTAGE OF LOANS TRANSFERRED (Rounded to Nearest Quartile) 2004 _____0% _____25% _____50% _____75% X 100% 2005 _____0% _____25% _____50% _____75% X 100% 2006 _____0% _____25% _____50% _____75% X 100%
The estimates in paragraphs 2 and 3 above do not include transfers to affiliates or subsidiaries. If the servicing of your loan is transferred to an affiliate or subsidiary in the future, you will be notified in accordance with RESPA. LENDER: ADVANTAGE ONE MORTGAGE, INC.
By:
_____________________________
Date: _____________
Title: _____________________________ I/we have read this disclosure form, and understand its contents, as evidenced by my/our signature(s) below:
Applicant: ______________________________
Date: ____________
Applicant: ______________________________
Date: ____________
Applicant: ______________________________
Date: ____________
Applicant: ______________________________
Date: ____________
NOTICE TO THE HOME LOAN APPLICANT In connection with your application for a home loan, the lender must disclose to you the score that a consumer reporting agency distributed to users and the lender used in connection with your home loan, and the key factors affecting your credit scores. The credit score is a computer generated summary calculated at the time of the request and based on information that a consumer reporting agency or lender has on file. The scores are based on data about your credit history and payment patterns. Credit scores are important because they are used to assist the lender in determining whether you will obtain a loan. They may also be used to determine what interest rate you rnay be offered on the mortgage. Credit scores can change over timc, depending on your conduct, how your credit history and payment patterns change, and how credit scoring technologies change. Because the score is based on information in your credit history, it is very important that you review the credit-related information that is being filrnished to make sure it is accurate. Credit records may vary from one company to another. If you have questions about your credit score or the credit injbrmation that is furnished to you, contact -the consumer reporting agency at the address and telephone number provided with this notice, or contact the lcnder, if the lendcr developed or generated the credit score. The consumer reporting agency plays no part in the decision to take any action on the loan application and is unable to provide you with specific reasons for the decision on a loan application. If you have questions concerning the terms of the loan, contact the lender. One or more of the following credit bureaus will provide the credit score(s):
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Equifax P.O. Box 740243 Atlanta, GA 30374 (500) 655-1 11 1
P.O. Box 2002 1 Allen, TX 75013-3742 , (558) 397-3742
Trans Union P.O. Box 1000 Chester, PA 19022 (800) 916-8500
Your current or inost recent credit score(s) and the key factors that adversely affect your credit score(s) in the model(s) used islare attached. The range of possible credit scores under the model(s) used are: Equifax, Beacon 5 Model, 300-850 Experian, Fair Isaac Model, 250-900 Trans Union, New Empirica Model, 300-850 The credit score(s) was/were created on the request date of the attached report. Your acknowledgement below signifies that this written notice was provided to you.
Borrower Signature
Coborrower Signature
1 TLS, have you transmitted all R text files for this cycle update?
I.R.S. SPECIFICATIONS TO BE REMOVED BEFORE PRINTING INSTRUCTIONS TO PRINTERS FORM 4506, PAGE 1 of 2 MARGINS: TOP 13 mm (1⁄2 "), CENTER SIDES. PRINTS: HEAD to HEAD PAPER: WHITE WRITING, SUB. 20. INK: BLACK FLAT SIZE: 216 mm (81⁄2 ") 279 mm (11") PERFORATE: NONE DO NOT PRINT — DO NOT PRINT — DO NOT PRINT — DO NOT PRINT
Date
Form
Date
Signature
O.K. to print Revised proofs requested
Request for Transcript of Tax Return
4506-T
䊳
(Rev. November 2005) Department of the Treasury Internal Revenue Service
Action
䊳
Do not sign this form unless all applicable lines have been completed. Read the instructions on page 2. Request may be rejected if the form is incomplete, illegible, or any required line was blank at the time of signature.
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 a third party requires you to complete Form 4506-T, do not sign Form 4506-T if lines 6 and 9 are blank. 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. 䊳 a Return Transcript, which includes most of the line items of a tax return as filed with the IRS. 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. 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 2003, filed in 2004, will not be available from the IRS until 2005. 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.
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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. Telephone number of taxpayer on line 1a or 2a
Sign Here
䊳 䊳 䊳
( Signature (see instructions)
)
Date
Title (if line 1a above is a corporation, partnership, estate, or trust)
Spouse’s signature
For Privacy Act and Paperwork Reduction Act Notice, see page 2.
Date Cat. No. 37667N
Form
4506-T
(Rev. 11-2005)
1 I.R.S. SPECIFICATIONS TO BE REMOVED BEFORE PRINTING INSTRUCTIONS TO PRINTERS FORM 4506-T, PAGE 2 of 2 MARGINS: TOP 13 mm (1⁄2 "), CENTER SIDES. PRINTS: HEAD to HEAD PAPER: WHITE WRITING, SUB. 20. INK: BLACK FLAT SIZE: 216 mm (81⁄2 ") 279 mm (11") PERFORATE: NONE DO NOT PRINT — DO NOT PRINT — DO NOT PRINT — DO NOT PRINT
Form 4506-T (Rev. 11-2005)
Page
General Instructions
Chart for all other transcripts
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 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. Note. If you are requesting more than one transcript or other product and the chart below shows two different service centers, mail your request to the service center based on the address of your most recent return.
If you lived in or your business was in:
Chart for individual transcripts (Form 1040 series and Form W-2)
Connecticut, Delaware, District of Columbia, 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
If you filed an individual return and lived in:
Mail or fax to the “Internal Revenue Service” at:
District of Columbia, Maine, Maryland, Massachusetts, New Hampshire, New York, Vermont
RAIVS Team 310 Lowell St. Stop 679 Andover, MA 01810
Alabama, Delaware, Florida, Georgia, North Carolina, Rhode Island, South Carolina, Virginia
RAIVS Team 4800 Buford Hwy. Stop 91 Chamblee, GA 30341
Arkansas, Kansas, Kentucky, Louisiana, Mississippi, Oklahoma, Tennessee, Texas, West Virginia
RAIVS Team 3651 South Interregional Hwy. Stop 6716 AUSC Austin, TX 78741
Alaska, Arizona, California, Colorado, Hawaii, Idaho, Montana, Nebraska, Nevada, New Mexico, Oregon, South Dakota, Utah, Washington, Wyoming
RAIVS Team 5045 E. Butler Ave. Stop 38101 Fresno, CA 93727
Connecticut, Illinois, Indiana, Iowa, Michigan, Minnesota, Missouri, North Dakota, Ohio, Wisconsin
RAIVS Team 2306 E. Bannister Road Stop 6705–B41 Kansas City, MO 64130
New Jersey, Pennsylvania, a foreign country, or A.P.O. or F.P.O. address
RAIVS Team DP 135SE Philadelphia, PA 19255-0695
978-247-9255
678-530-5326
512-460-2272
559-253-4990
816-823-7667
215-516-2931
Alabama, Alaska, Arizona, Arkansas, California, Colorado, Florida, Georgia, 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
Mail or fax to the “Internal Revenue Service” at:
RAIVS Team P.O. Box 9941 Mail Stop 6734 Ogden, UT 84409
801-620-6922
RAIVS Team P.O. Box 145500 Stop 2800 F Cincinnati, OH 45250
859-669-3592 RAIVS Team DP 135SE Philadelphia, PA 19255-0695 215-516-2931
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 60 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.
2
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. 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. Sections 6103 and 6109 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-6406, Washington, DC 20224. Do not send the form to this address. Instead, see Where to file on this page.
Needed
_______
_______Completed Loan Application(signed/dated)
_______
_______2005 and 2006 W-2s and a full month of pay stubs
_______
_______Most recent 2 statements (all pages) from each checking, savings, brokerage, investment and retirement accounts. Only 1 statement if received quarterly.
_______
_______A copy of a recent bill, coupon or year end mortgage statement from any loans or mortgages you may have in addition to the most recent year end mortgage statement.
_______
_______2005 and 2006 personal tax returns
_______
_______2005 and 2006 business tax returns
_______
_______2006 Balance Sheet and year-to-date P&L
_______
_______Copy of Social Security Card and Drivers License
_______
_______Executed Earnest Money Contract
_______
_______Original Blue Line Survey (refinance only)
_______
_______Settlement statement from original purchase of home (refinance only)
_______
_______Copy of Divorce Decree if applicable.
_______
_______Application Fee $___________
_______
_______Insurance agent's name, address and phone number.
Please indicate by putting a check in the provided column, those items you have submitted with your application package and return this checklist with your application. Thank you for using Advantage One Mortgage!
INFORMATION DISCLOSURE AUTHORIZATION To whom it may concern: I/we hereby authorize you to release to Advantage One Mortgage, Ltd. ("Lender") and/or its assigns, the following information: EMPLOYMENT HISTORY, DATES, TITLE, INCOME, HOURS, ETC. BANKING AND SAVINGS ACCOUNTS OF RECORD MORTGAGE LOAN RATING(S), BALANCES, ETC. ANY INFORMATION DEEMED NECESSARY IN CONNECTION WITH A CONSUMER CREDIT REPORT FOR TRANSACTIONS WHICH INVOLVE REAL ESTATE. This information is for the confidential use of Lender and/or its assigns in compiling a mortgage credit file for a conventional home loan. A photographic or carbon copy of this authorization (being a valid copy of the signature(s) of the undersigned) may be used as a duplicate original. Your prompt reply will help expedite my real estate transaction. Thank you,
________________________________ Borrower
________________________________ Co-Borrower
________________________________ Social Security #
________________________________ Social Security #
ECOA NOTICE The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided that the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning this creditor is: Federal Home Loan Bank Board of Dallas/Fort Worth.
APPRAISAL NOTICE You have the right to a copy of the appraisal report used in connection with your application for credit. If you would like a copy, please write to us a the address below. We must hear from you no later than 90 days after we notify you about the action taken on your credit application or you withdraw your application. The undersigned applicant(s) hereby acknowledges receipt of the above ECOA and appraisal Notices.
Borrower:
____________________
Co-Borrower: ____________________
Date: _______________ Date: ________________
MORTGAGE BROKER/LOAN OFFICER DISCLOSURE Mortgage Broker or Loan Officer: Joe Bob Everett License Number: 1236 The information in this disclosure is provided to clarify the nature of our relationship, my duties to you, and how I am to be compensated as a Mortgage Broker or Loan Officer. This disclosure is a requirement of the Texas Mortgage Broker License Act. Since I may be working for a company, references to "we or "us" refer to me and any company for which I am working. Check ALL that apply Duties and Nature of Relationship You, the applicant(s), have applied with us for a residential mortgage loan. ; We will submit your loan application to a participating lender which we may from time to time contract upon such terms as you may request or a lender may require. In connection with this mortgage loan, we are acting as an independent contractor and not as your agent. We will enter into separate independent contractor agreements with various lenders. While we will seek to assist you in meeting your financial needs, we do not distribute the products of all lenders or investors in the market and cannot guarantee the lowest or best terms available in the market. In connection with this mortgage loan, we are acting as an independent contractor and not as your agent. We will make your loan ourselves. We may either sell the loan to an investor or retain it. (You will receive a separate disclosure as to how we will handle servicing rights on any such loan.) We have a number of established independent contractor relationships with various investors to whom we sell closed loans. We are not an agent for any such investor in connection with the sale of a loan. While we will seek to assist you in meeting your financial needs, we cannot guarantee the lowest or best terms available in the market. ; We will be acting as follows: How we will be compensated ; The retail price we offer you – your interest rate, total points, and fees – will include our compensation. In some cases we may be paid all or part of our compensation by you or by the lender or investor. Alternatively, we may be paid a portion of our compensation by both you and the lender. For example, in some cases, if you would rather pay a lower interest rate, you may pay higher up-front points and fees. Also, in some cases, if you would rather pay less up-front, you may be able to pay a higher rate, in which case some or all of my compensation will be paid by the lender. We also may be paid by the lender based on other goods, services, or facilities performed or provided by us to the lender. Our pricing for your loan is based upon current wholesale options available to us in the secondary market where closed loans are sold. Fees charged directly to you by us may vary depending on the type of loan for which you have applied.
At the time of this disclosure, we are receiving $0_____ in fees. The services which these fees are being charged include the following: Application fee $0___________ Processing fee $0___________ Appraisal fee $0___________ Credit report fee $0___________ Automated underwriting fee $0___________ Other (List) : ____________________ $___________ Of this amount, $_______ is not refundable unless the amount is required to be refunded under applicable state or federal law upon the exercise of a right of rescission (such as the Truth in Lending Act, 15 U.S.C. § 1600, et seq. and Regulation Z, 12 C.F.R. Part 226 or the provisions of the Home Equity provisions of the Texas Constitution, Article XVI, Section 50. The estimated fees which we will charge will be as shown on the good faith estimate which we are providing to you now or which we will provide you within three (3) days in accordance with the requirements of the Real Estate Settlement Procedures Act and its implementing regulations. IS LICENSED UNDER THE LAWS OF THE STATE OF Joe Bob Everett TEXAS AND BY STATE LAW IS SUBJECT TO REGULATORY OVERSIGHT BY THE DEPARTMENT OF SAVINGS AND MORTGAGE LENDING. ANY CONSUMER WISHING TO FILE A COMPLAINT SHOULD COMPLETE, SIGN, AND SEND A AGAINST Joe Bob Everett COMPLAINT FORM TO THE DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE DOWNLOADED AND PRINTED FROM THE DEPARTMENT’S WEB SITE LOCATED AT WWW.SML.STATE.TX.US OR OBTAINED FROM THE DEPARTMENT UPON REQUEST BY MAIL AT THE ADDRESS ABOVE, BY TELEPHONE AT ITS TOLL-FREE CONSUMER HOTLINE AT 1-877-2765550, BY FAX AT (512) 475-1360, OR BY E-MAIL AT [email protected]. THE DEPARTMENT MAINTAINS THE MORTGAGE BROKER RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN TYPES OF JUDGMENTS AGAINST A MORTGAGE BROKER OR LOAN OFFICER. NOT ALL CLAIMS ARE COMPENSABLE AND A COURT MUST ORDER THE PAYMENT OF A CLAIM FROM THE RECOVERY FUND BEFORE THE DEPARTMENT MAY PAY A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT SUBCHAPTER F OF THE MORTGAGE BROKER LICENSE ACT ON THE DEPARTMENT’S WEB SITE REFERENCED ABOVE. Applicant(s)
Mortgage Broker/Loan Officer
Signed:_____________________
Signed:_______________________
Name:______________________
Name:
Date:_______________________
Date:_________________________
Signed:_____________________ Name:______________________ Date:_______________________
Joe Bob Everett
DISCLOSURE STATEMENT - SERVICING TRANSFER NOTICE TO MORTGAGE LOAN APPLICANTS: THE RIGHT TO COLLECT YOUR MORTGAGE LOAN PAYMENTS MAY BE TRANSFERRED. FEDERAL LAW GIVES YOU CERTAIN RIGHTS. READ THIS STATEMENT AND SIGN IT ONLY IF YOU UNDERSTAND ITS CONTENTS. Because you are applying for a mortgage loan covered by the Real Estate Settlement Procedures Act (RESPA) (12 U.S.C. & 2601 et seq.), you have certain rights under that Federal law. This statement tells you about those rights. It also tells you what the chances are that the servicing for this loan may be transferred to a different loan servicer. "Servicing" refers to collecting your principal, interest and escrow payments. If your loan servicer changes, there are certain procedures that must be followed. This statement generally explains those procedures. TRANSFER PRACTICES AND REQUIREMENTS If the servicing of your loan is assigned, sold, or transferred to a new servicer, you must be given written notice of that transfer. The present loan servicer must send you notice in writing of the assignment, sale or transfer of the servicing not less than 15 days before the date of the transfer. The new loan servicer must also send you notice within 15 days after the date of the transfer. Also, a notice of prospective transfer may be provided to you at settlement (when title to your new property is transferred to you) to satisfy these requirements. The law allows a delay in the time (not more than 30 days after a transfer) for servicers to notify you under certain limited circumstances, when your servicer is changed abruptly. This exception applies only if your servicer is fired for cause, is in bankruptcy proceedings, or is involved in a conservatorship or receivership initiated by a Federal agency. Notices must contain certain information. They must contain the effective date of the transfer of the servicing of your loan to the new servicer, the name, address and toll-free or collect call telephone numbers of a person or department for both your present servicer and your new servicer to answer your questions about the transfer of servicing. During the 60 day period following the effective date of the transfer of the loan servicing, a loan payment received by your old servicer before its due date may not be treated by the new loan servicer as late, and a late fee may not be imposed upon you. COMPLAINT RESOLUTION Section 6 of RESPA (12 U.S.C. & 2605) gives you certain consumer rights, WHETHER OR NOT YOUR LOAN SERVICING IS TRANSFERRED. If you send a "qualified written request" to your loan servicer concerning the servicing of your loan, your servicer must provide you with a written acknowledgment within 20 business days of receipt of your request. A "qualified written request" is a written correspondence, other than notice on a payment coupon or other payment medium supplied by your servicer, which includes your name and account number, and your reasons for the request. Not later than 60 business days after receiving your request, your servicer must provide you with a written clarification regarding any dispute. During this 60 day period, your servicer may not provide information to a consumer reporting agency concerning any overdue payment related to such period or qualified written request.
DAMAGES AND COSTS Section 6 of RESPA also provides for damages and costs for individuals in circumstances where servicers are shown to have violated the requirements of that Section. SERVICING TRANSFER ESTIMATES BY ORIGINAL LENDER The following is the best estimate of what will happen to the servicing of your mortgage loan: X 1. We do not service mortgage loans. We intend to assign, sell or transfer the servicing of your loan to another party. You will be notified at settlement regarding the servicer. OR _____ 2. We are able to service this loan and presently intend to do so. However, that may change in the future. For all the loans that we make in the 12 month period after your loan is funded, we estimate that the chances that we will transfer the servicing of those loans is between _____ and _____ percent. This is only our best estimate and is not binding. Business conditions or other circumstances may affect our future transferring decisions. X
3. This is our record of transferring the servicing of the loans we have made in the past: PERCENTAGE OF LOANS TRANSFERRED (Rounded to Nearest Quartile) 2004 _____0% _____25% _____50% _____75% X 100% 2005 _____0% _____25% _____50% _____75% X 100% 2006 _____0% _____25% _____50% _____75% X 100%
The estimates in paragraphs 2 and 3 above do not include transfers to affiliates or subsidiaries. If the servicing of your loan is transferred to an affiliate or subsidiary in the future, you will be notified in accordance with RESPA. LENDER: ADVANTAGE ONE MORTGAGE, INC.
By:
_____________________________
Date: _____________
Title: _____________________________ I/we have read this disclosure form, and understand its contents, as evidenced by my/our signature(s) below:
Applicant: ______________________________
Date: ____________
Applicant: ______________________________
Date: ____________
Applicant: ______________________________
Date: ____________
Applicant: ______________________________
Date: ____________
NOTICE TO THE HOME LOAN APPLICANT In connection with your application for a home loan, the lender must disclose to you the score that a consumer reporting agency distributed to users and the lender used in connection with your home loan, and the key factors affecting your credit scores. The credit score is a computer generated summary calculated at the time of the request and based on information that a consumer reporting agency or lender has on file. The scores are based on data about your credit history and payment patterns. Credit scores are important because they are used to assist the lender in determining whether you will obtain a loan. They may also be used to determine what interest rate you rnay be offered on the mortgage. Credit scores can change over timc, depending on your conduct, how your credit history and payment patterns change, and how credit scoring technologies change. Because the score is based on information in your credit history, it is very important that you review the credit-related information that is being filrnished to make sure it is accurate. Credit records may vary from one company to another. If you have questions about your credit score or the credit injbrmation that is furnished to you, contact -the consumer reporting agency at the address and telephone number provided with this notice, or contact the lcnder, if the lendcr developed or generated the credit score. The consumer reporting agency plays no part in the decision to take any action on the loan application and is unable to provide you with specific reasons for the decision on a loan application. If you have questions concerning the terms of the loan, contact the lender. One or more of the following credit bureaus will provide the credit score(s):
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Equifax P.O. Box 740243 Atlanta, GA 30374 (500) 655-1 11 1
P.O. Box 2002 1 Allen, TX 75013-3742 , (558) 397-3742
Trans Union P.O. Box 1000 Chester, PA 19022 (800) 916-8500
Your current or inost recent credit score(s) and the key factors that adversely affect your credit score(s) in the model(s) used islare attached. The range of possible credit scores under the model(s) used are: Equifax, Beacon 5 Model, 300-850 Experian, Fair Isaac Model, 250-900 Trans Union, New Empirica Model, 300-850 The credit score(s) was/were created on the request date of the attached report. Your acknowledgement below signifies that this written notice was provided to you.
Borrower Signature
Coborrower Signature
1 TLS, have you transmitted all R text files for this cycle update?
I.R.S. SPECIFICATIONS TO BE REMOVED BEFORE PRINTING INSTRUCTIONS TO PRINTERS FORM 4506, PAGE 1 of 2 MARGINS: TOP 13 mm (1⁄2 "), CENTER SIDES. PRINTS: HEAD to HEAD PAPER: WHITE WRITING, SUB. 20. INK: BLACK FLAT SIZE: 216 mm (81⁄2 ") 279 mm (11") PERFORATE: NONE DO NOT PRINT — DO NOT PRINT — DO NOT PRINT — DO NOT PRINT
Date
Form
Date
Signature
O.K. to print Revised proofs requested
Request for Transcript of Tax Return
4506-T
䊳
(Rev. November 2005) Department of the Treasury Internal Revenue Service
Action
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Do not sign this form unless all applicable lines have been completed. Read the instructions on page 2. Request may be rejected if the form is incomplete, illegible, or any required line was blank at the time of signature.
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 a third party requires you to complete Form 4506-T, do not sign Form 4506-T if lines 6 and 9 are blank. 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. 䊳 a Return Transcript, which includes most of the line items of a tax return as filed with the IRS. 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. Most requests will be processed within 10 business days
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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 2003, filed in 2004, will not be available from the IRS until 2005. 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.
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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. Telephone number of taxpayer on line 1a or 2a
Sign Here
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( Signature (see instructions)
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Date
Title (if line 1a above is a corporation, partnership, estate, or trust)
Spouse’s signature
For Privacy Act and Paperwork Reduction Act Notice, see page 2.
Date Cat. No. 37667N
Form
4506-T
(Rev. 11-2005)
1 I.R.S. SPECIFICATIONS TO BE REMOVED BEFORE PRINTING INSTRUCTIONS TO PRINTERS FORM 4506-T, PAGE 2 of 2 MARGINS: TOP 13 mm (1⁄2 "), CENTER SIDES. PRINTS: HEAD to HEAD PAPER: WHITE WRITING, SUB. 20. INK: BLACK FLAT SIZE: 216 mm (81⁄2 ") 279 mm (11") PERFORATE: NONE DO NOT PRINT — DO NOT PRINT — DO NOT PRINT — DO NOT PRINT
Form 4506-T (Rev. 11-2005)
Page
General Instructions
Chart for all other transcripts
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 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. Note. If you are requesting more than one transcript or other product and the chart below shows two different service centers, mail your request to the service center based on the address of your most recent return.
If you lived in or your business was in:
Chart for individual transcripts (Form 1040 series and Form W-2)
Connecticut, Delaware, District of Columbia, 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
If you filed an individual return and lived in:
Mail or fax to the “Internal Revenue Service” at:
District of Columbia, Maine, Maryland, Massachusetts, New Hampshire, New York, Vermont
RAIVS Team 310 Lowell St. Stop 679 Andover, MA 01810
Alabama, Delaware, Florida, Georgia, North Carolina, Rhode Island, South Carolina, Virginia
RAIVS Team 4800 Buford Hwy. Stop 91 Chamblee, GA 30341
Arkansas, Kansas, Kentucky, Louisiana, Mississippi, Oklahoma, Tennessee, Texas, West Virginia
RAIVS Team 3651 South Interregional Hwy. Stop 6716 AUSC Austin, TX 78741
Alaska, Arizona, California, Colorado, Hawaii, Idaho, Montana, Nebraska, Nevada, New Mexico, Oregon, South Dakota, Utah, Washington, Wyoming
RAIVS Team 5045 E. Butler Ave. Stop 38101 Fresno, CA 93727
Connecticut, Illinois, Indiana, Iowa, Michigan, Minnesota, Missouri, North Dakota, Ohio, Wisconsin
RAIVS Team 2306 E. Bannister Road Stop 6705–B41 Kansas City, MO 64130
New Jersey, Pennsylvania, a foreign country, or A.P.O. or F.P.O. address
RAIVS Team DP 135SE Philadelphia, PA 19255-0695
978-247-9255
678-530-5326
512-460-2272
559-253-4990
816-823-7667
215-516-2931
Alabama, Alaska, Arizona, Arkansas, California, Colorado, Florida, Georgia, 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
Mail or fax to the “Internal Revenue Service” at:
RAIVS Team P.O. Box 9941 Mail Stop 6734 Ogden, UT 84409
801-620-6922
RAIVS Team P.O. Box 145500 Stop 2800 F Cincinnati, OH 45250
859-669-3592 RAIVS Team DP 135SE Philadelphia, PA 19255-0695 215-516-2931
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 60 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.
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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. 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. Sections 6103 and 6109 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-6406, Washington, DC 20224. Do not send the form to this address. Instead, see Where to file on this page.
