A tax return copy is required for all borrowers regardless of the source of income. Provide a complete copy of the most recent tax return for each borrower. If filing jointly, provide the joint return, including all completed schedules. If you have not filed the most recent year’s tax return, provide a copy of the most recent year for which filing has been completed.

If you cannot locate your most recent tax return, you may request a free transcript from the IRS at https://www.irs.gov/ or by calling 1 (800) 908-9946.

Posted in: Documentation Guidelines