Encompass 4506-T Service

Efficient, automated tax-return data

Easily order tax return information from the IRS and effortlessly verify results.


  • Fast, automated process is fully integrated in Encompass
  • Tax transcripts returned rapidly
  • Compares borrower-supplied and IRS data
  • Monitors the IRS site for completed reports
  • eSign support for paperless efficiency

Total Quality Loan Program

Get Returns Rapidly

Streamline the income verification process with Encompass 4506-T Service.

Taking only minutes per loan, and working within Encompass®, this integrated verification solution allows lenders to electronically order tax return data from the IRS, and yields quickly delivered, easily reviewable results.

The built-in Income Comparison Tool automatically presents stated and IRS-filed income side-by-side with auto-calculated variances, eliminating the need for time-consuming line-by-line manual checks.

eSigning support to speed processing

When ordered using Encompass 4506-T Service, borrowers can eSign the 4506-T and it is placed directly into their secure loan eFolder in Encompass. This helps minimize paperwork requirements and speeds time to close.


  • Encompass integration eliminates delays.
  • Paperless eSign support streamlines the process.
  • Easy-to-read tax transcripts—including 1040s, 1065s, 1120s, W-2s and 1099s—are returned in as few as 24 to 48 hours.
  • Income Comparison Tool provides a simple, easy-to-review, side-by-side comparison of borrower-supplied 1003 data and IRS data.


  • Automated around-the-clock retrieval system monitors the IRS site for completed reports and tracks order process
  • Transcripts are saved directly into the borrower’s secure loan eFolder.
  • Built-in quality control reviews on every 4506-T to help lenders comply and avoid extra IRS charges and delays.