If you plan to refinance or purchase a home, you will need to file a 4506-T form.
Some sites and lenders will suggest that you submit this request by e-filing with the IRS, but especially during this time of year, e-filing can make the process take even longer than it normally would. To speed things up, type in your information on the 4506-T form for accuracy and legibility, print it out (save a digital copy in the cloud for your records) and bring it down to your local IRS office. Physically turning it in is the fastest way to get your request processed.
When applying for a mortgage loan, refinancing, or closing escrow on a large purchase, your loan servicer will use your tax return transcript to verify your income and credit worthiness, but anyone can use the 4506-T form to retrieve a transcript from the Internal Revenue Service, anytime, free-of-charge.
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