In most cases, mortgage lenders request the Tax Return Transcript from the IRS. This transcript shows the major line items from your filed tax return and allows lenders to confirm that the income used on your loan application matches what was reported to the IRS.

Depending on the loan program, lenders may also request:

Tax Return Transcript
Used to verify the income reported on your tax return.

Wage and Income Transcript
Shows income reported by employers, banks, and other financial institutions.

Record of Account Transcript
Combines tax return information with account activity.

For most borrowers, the Tax Return Transcript for the most recent two years is the primary document required for mortgage approval.