In the refi package I just received, they have a 4506-T for us to sign and no boxes are checked or dates listed. The form itself says not to sign in this case. The hazard to signing it like this means they can get a transcript of any tax return ? Why would it be signed at application instead of when the loan was audited ?Call the lender and ask what they want and complete the form before signing it. Asking for this information upfront is necessary for their underwriting assessment (should they offer the loan and perhaps what rate to offer).Ira
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