OM B No. 1 5 4 5 -1 8 7 2
A ccount Transcript, w hich cont ains inf ormat ion on t he f inancial st at us of t he account , such as payment s made on t he account , penalt y assessment s, and adjust ment s made by you or t he IRS af t er t he ret urn w as f iled. Ret urn inf ormat ion is limit ed t o it ems such as t ax liabilit y and est imat ed t ax payment s. A ccount t ranscript s are available f or most ret urns. M ost request s w ill be If a joint ret urn, ent er spouse' s name show n on t ax ret urn
1 b First social security number on tax return or employer identification number (see instructions) 2 b Second social security number if joint tax return
Request f or Transcript of Tax Ret urn
Cat . No. 3 7 6 6 7 N
Current name, address (including apt ., room, or suit e no.), cit y, st at e, and ZIP code
Previous address show n on t he last ret urn f iled if dif f erent f rom line 3
Request may be rejected if the form is incomplete or illegible.
Signature of taxpayer(s). I declare t hat I am eit her t he t axpayer w hose name is show n on line 1 a or 2 a, or a person aut horized t o obt ain t he t ax inf ormat ion request ed. If t he request applies t o a joint ret urn, either husband or w if e must sign. If signed by a corporat e of f icer, part ner, guardian, t ax mat t ers part ner, execut or, receiver, administ rat or, t rust ee, or part y ot her t han t he t axpayer, I cert if y t hat I have t he aut horit y t o execut e Form 4 5 0 6 -T on behalf of t he t axpayer. Note. For t ranscript s being sent t o a t hird part y, t his f orm must be received w it hin 1 2 0 days of signat ure dat e.
Name show n on t ax ret urn. If a joint ret urn, ent er t he name show n f irst . 1 a
2 a 3
4
Caution: If you need a copy of Form W-2 or Form 1 0 9 9 , you should f irst cont act t he payer. To get a copy of t he Form W-2 or Form 1 0 9 9 f iled w it h your ret urn, you must use Form 4 5 0 6 and request a copy of your ret urn, w hich includes all at t achment s.
5 If t he t ranscript or t ax inf ormat ion is t o be mailed t o a t hird part y (such as a mort gage company), ent er t he t hird part y' s name, address, and t elephone number. The IRS has no cont rol over w hat t he t hird part y does w it h t he t ax inf ormat ion.
9 Y ear or period requested. Ent er t he ending dat e of t he year or period, using t he mm/dd/yyyy f ormat . If you are request ing more t han f our years or periods, you must at t ach anot her Form 4 5 0 6 -T. For request s relat ing t o quart erly t ax ret urns, such as Form 9 4 1 , you must ent er each quart er or t ax period separat ely.
a
Telephone number of t axpayer on line 1 a or 2 a
Return Transcript, w hich includes most of t he line it ems of a t ax ret urn as f iled w it h t he IRS. A t ax ret urn t ranscript does not ref lect changes made t o t he account af t er t he ret urn is processed. Transcript s are only available f or t he f ollow ing ret urns: Form 1 0 4 0 series, Form 1 0 6 5 , Form 1 1 2 0 , Form 1 1 2 0 A , Form 1 1 2 0 H, Form 1 1 2 0 L, and Form 1 1 2 0 S. Ret urn t ranscript s are available f or t he current year and ret urns processed during t he prior 3 processing years. M ost request s w ill be processed w it hin 1 0 business days
M ost request s w ill be processed w it hin 4 5 days
Sign
Here
Title (if line 1 a above is a corporat ion, part nership, est at e, or t rust )Dat e
Spouse' s signature
Signature (see inst ruct ions) Dat e
Form 4 5 0 6 -T (Rev. 1 -2 0 1 0 )
6
Depart ment of t he Treasury Int ernal Revenue Service
Tip: Use Form 4 5 0 6 -T t o order a t ranscript or ot her ret urn inf ormat ion f ree of charge. See t he product list below . You can also call 1 -8 0 0 -8 2 9 -1 0 4 0 t o order a t ranscript . If you need a copy of your ret urn, use Form 4 5 0 6 , Request for Copy of Tax Return. There is a f ee t o get a copy of your ret urn.
7
and 3 prior t ax years. M ost request s w ill be processed w it hin 3 0 calendar days processed w it hin 3 0 calendar days
c
8
Record of A ccount, w hich is a combinat ion of line it em inf ormat ion and lat er adjust ment s t o t he account . A vailable f or current year b
Form W -2 , Form 1 0 9 9 series, Form 1 0 9 8 series, or Form 5 4 9 8 series transcript. The IRS can provide a t ranscript t hat includes dat a f rom t hese inf ormat ion ret urns. St at e or local inf ormat ion is not included w it h t he Form W-2 inf ormat ion. The IRS may be able t o provide t his t ranscript inf ormat ion f or up t o 1 0 years. Inf ormat ion f or t he current year is generally not available unt il t he year af t er it is f iled w it h t he IRS. For example, W-2 inf ormat ion f or 2 0 0 7 , f iled in 2 0 0 8 , w ill not be available f rom t he IRS unt il 2 0 0 9 . If you need W-2 inf ormat ion f or ret irement purposes, you should cont act t he Social Securit y A dminist rat ion at 1 -8 0 0 -7 7 2 -1 2 1 3 .
V M P9 0 4 5 T (1 0 0 2 ).0 0
For Privacy A ct and Paperw ork Reduction A ct Notice, see page 2 .
Bankers Syst ems
W olt ers Kluw er Financial Services Page 1 of 2
V M P
Caution: If t he t ranscript is being mailed t o a t hird part y, ensure t hat you have f illed in line 6 and line 9 bef ore signing. Sign and dat e t he f orm once you have f illed in t hese lines. Complet ing t hese st eps helps t o prot ect your privacy.
TM
Transcript requested. Ent er t he t ax f orm number here (1 0 4 0 , 1 0 6 5 , 1 1 2 0 , et c.) and check t he appropriat e box below . Ent er only one t ax f orm number per request .
V erification of Nonfiling, w hich is proof f rom t he IRS t hat you did not f ile a ret urn f or t he year. Current year request s are only available af t er June 1 5 t h. There are no availabilit y rest rict ions on prior year request s. M ost request s w ill be processed w it hin 1 0 business days
NOTICE TO BORROWERS:
1.2.
I/We fully understand that it is a Federal crime punishable by fine or imprisonment, or both, to knowingly make any false statements when applying for this mortgage, as applicable under the provisions of Title 18, United States Code, Section 1014.
3. 1. 2. 3. 4. 5.
Seattle Metropolitan Credit Union | Post Office Box 780 Seattle, WA 98111-0780
206.398.5888 | 800.344.2489 X 888 | TTY 206.398.5697 | www.smcu.com | www.7principles.coop
Borrower's Certification & Authorization
The undersigned certify the following:
I/We have applied for a mortgage loan from Seattle Metropolitan Credit Union. In applying for the loan, I/We completed a loan application containing various information on the purpose of the loan, the amount and source of the down payment, employment and income information, and assets and liabilities. I/We certify that all of the information is true and complete. I/We made no misrepresentations in the loan application or other documents, nor did I/We omit any pertinent information.
I/We understand and agree that Seattle Metropolitan Credit Unionreserves the right to change the mortgage loan review process to a full documentation program. This may include verifying the information provided on the application with the employer and/or the financial institution.
Authorization to Release Information
To Whom It May Concern:
I/We have applied for a mortgage loan from Seattle Metropolitan Credit Union. As part of the application process, Seattle Metropolitan Credit Union may verify information contained in my/our loan application and in other documents required in connection with the loan, either before the loan is closed or as part of its quality control program.
I/We authorize you to provide Seattle Metropolitan Credit Union, and toany investor to whom Seattle Metropolitan Credit Union may sell my/our mortgage, any and all information and documentation that they request. Such information includes, but is not limited to, employment history and income; bank, money market, and similar account balances; credit history; and copies of income tax returns.
Seattle Metropolitan Credit Unionor any investor that purchases the mortgage may address this authorization to any party named in the loan application or disclosed by any consumer credit reporting agency or similar source. A copy of this authorization may be accepted as an original.
Your prompt reply to Seattle Metropolitan Credit Union or the investor that purchased the mortgage is appreciated.
This is notice to you as required by the Right to Financial Privacy of 1978 that HUD/FHA has a right of access to financial records held by financial institutions in connection with the consideration or administration of assistance to you. Financial records involving your transaction will be available to HUD/FHA without further notice or authorization but will not be disclosed or released by this institution to another Government Agency or Department without your consent except as required or permitted by law.
Borrower:
Loan #
Fair Practice Notices
Equal Credit Opportunity Act 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 statusand/or age (provided that the application has the capacity to enter into a binding contract). The Act also prohibits creditors from discriminating 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 the creditor is:
Fair Credit Reporting Act Notice
A credit report or an investigative consumer report regarding your credit experience will be ordered in connection with your application for a loan. This report will contain information on your actual credit worthiness, credit standing, and credit capacity. A completed report may also contain information on your character, general reputation, personal characteristics or mode of living.
The information for such a report may be obtained through personal interviews with friends, neighbors, and associates. You have the right given by federal law to receive a complete and accurate statement of the nature and scope of the information given in this report. A request for such information must be in writing.
Seattle Metropolitan Credit Union may deny your application or raise the charge for extending credit to you based on any such information. You have the right to request that SMCU disclose the nature of the information to you and advise you of the name and address of the reporting agency used for information in the consumer report. A written request must be received within sixty (60) days after learning of such adverse action.
Reports are routinely obtained in connection with applications for credit and constitute an
important feature of the credit underwriting.
Federal Trade Commission
915 Second Avenue Room 2896
Seattle WA 98174
Pursuant to the Equal Credit Opportunity Act, income from alimony, child support or maintenance payment need not be revealed if you do not choose to disclose such income in applying for credit. Seattle Metropolitan Credit Union will consider such payments as income in evaluating your credit worthiness (to the extent that such payments are likely to be consistently made) if this information is disclosed.
Seattle Metropolitan Credit Union | Post Office Box 780 Seattle, WA 98111-0780
206.398.5888 | 800.344.2489 X 888 | TTY 206.398.5697 | www.smcu.com | www.7principles.coop
rev. 9/2013 ecoa.uff
Borrower:
Loan #
Patriot Act - Information Disclosure
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.
What this means for you: When you open an account, we will ask you for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents before opening the account.
Interest Rate Lock Disclosure
The interest rate quoted at application is not guaranteed. The Good Faith Estimate and the
Truth in Lending Disclosure are estimates only, and may not reflect your locked rate. The
interest rate is subject to change without notice. However, Seattle Metropolitan Credit
Union does offer members the opportunity to guarantee an interest rate for a specified time
period.
Two lock options are available, Float or Lock. Both options require the rate to be locked no later than 7 business days prior to closing. Breaking a rate lock within 7 days of closing could result in a delay.
I choose the Float option. The interest rate is subject to change without notice. I
understand that I may lock-in the interest rate at any time after the application date, but no
later than the date closing documents are prepared, referred to as “Document Date”. This
date is generally 5 days prior to the scheduled closing date. Rates cannot be locked via
voice mail or e-mail. If I do not lock the rate, the rate will be set at the rate available on
the Document Date.
In order to LOCK your interest rate, you must have submitted your loan application. If you
are purchasing a home, you must be under contract to purchase. If you are eligible and
wish to lock at this time, please contact your Loan Officer. A Lock Agreement will be
prepared, and must be signed.
I/We understand and agree to the terms contained in this Lock Disclosure.
Date Date
Seattle Metropolitan Credit Union | Post Office Box 780 Seattle, WA 98111-0780
206.398.5888 | 800.344.2489 X 888 | TTY 206.398.5697 | www.smcu.com | www.7principles.coop
rev.2/2013 lock disclosure.uff
Borrower:
Loan #
Seattle Metropolitan Credit Union | Post Office Box 780 Seattle, WA 98111-0780 206.398.5888 | 800.344.2489 X 888 | TTY 206.398.5697 | www.smcu.com | www.7principles.coop
Borrower Information Request
Insurance Company:
Insurance Information
Agent Name:
Agent Phone Number:
Agent Fax Number:
Policy #:
Appraisal Delivery Method
We will provide a copy of the appraisal after the appraisal has been reviewed and approved by an SMCU staff
member. Please indicate your preferred delivery method by initialling below:
Delivery by email to this email address:
Delivery by US mail to my mailing address.
Delivery to escrow agent with the closing documents. I waive my right to review the report 3 days prior to closing.
Property Detail Disclosure
To expedite the processing of your loan application, it is important that we be made aware if any of the
following details apply to your home. Please check any details that pertain to your property.
Current mortgage is FHA
Condominium
Duplex
Triplex
Fourplex
None exist
Mobile/Manufactured Home
Private Well
Septic system
Waterfront/View
Acreage
Liens (utility, divorce)
Incomplete or in need of repairs (explain)
Rev. 2/2013 borrinfo.uff
Loan #
Borrower:
Seattle Metropolitan Credit Union | Post Office Box 780 Seattle, WA 98111-0780
206.398.5888 | 800.344.2489 X 888 | TTY 206.398.5697 | www.smcu.com | www.7principles.coop
rev 2/2013 depagr.uff
