Mortgage

IRS Form 4506-C: IVES Request for Transcript of Tax Return (2026)

Form 4506-C is used to authorize a lender or their agent to obtain your tax transcript directly from the IRS through the Income Verification Express Service (IVES) — a common step in mortgage and loan underwriting.

Use this in ClientCollect
A ready-to-send template — free to try

Don't download the PDF and email it around. In ClientCollect, IRS Form 4506-C: IVES Request for Transcript of Tax Return becomes a secure request: your client answers a few plain-language questions on any device, and ClientCollect fills the official form — and collects a legally-binding e-signature — for them. You get the finished, signed form back.

Start collecting — free See how it works
Jason Smith
Jason Smith, Account Executive at ClientCollect
August 11, 2026
Updated August 2026

Why lenders use Form 4506-C

Form 4506-C authorizes a lender — or an agent acting for them — to pull your IRS tax transcript directly through the Income Verification Express Service (IVES) program. It's a routine step in mortgage and loan underwriting: it lets the lender confirm the income on your application against what you actually filed with the IRS.

You're not sending money or your full return — you're giving permission for the transcript to be released to the party named on the form.

What you'll provide

  • Your name and taxpayer ID exactly as filed,
  • Your current and any prior address,
  • The transcript type and tax years the lender specified (commonly the two most recent years), and
  • The IVES participant the transcript goes to (your lender completes this).

Common mistakes to avoid

  • Details that don't match your filed return. Even a small name or address discrepancy causes the IRS to reject the request and stalls your loan.
  • Signing with blank fields the lender needs completed first.
  • Authorizing the wrong years, so underwriting is missing what it needs.

What happens next

Once submitted, the IRS releases the transcript to the lender through IVES, usually within a few business days. Because it sits on the critical path of your closing, return it promptly and double-check every field against your tax return.

Frequently asked questions

Why does my lender need Form 4506-C?

It lets them pull your IRS transcript to verify the income you reported on your loan application.

Which tax years should I authorize?

Use the years your lender specified — often the two most recent filed years.

Stop emailing this form. Send it.

ClientCollect turns IRS Form 4506-C: IVES Request for Transcript of Tax Return into a request your client fills, signs, and returns from their phone — no printing or scanning. Free for 14 days.

Get started free See how it works