4506-t

4506T is a transcript record of your taxes. A lender will pull this from the IRS or another approved agency, to verify that the taxes in your loan file, match what the IRS was reported.

Requiring a 4506-T is standard procedure in the mortgage lending world now; far too much fraud was perpetrated over the years with borrowers claiming far more income than was reported to the IRS.

Don't protest too much - everyone has to sign it.