Income Verification Express Service

Income Verification Express Service

The Income Verification Express Service (IVES) program is used by mortgage lenders and others within the financial community to confirm the income of a borrower during the processing of a loan application. The IRS provides return transcript, W-2 transcript and 1099 transcript information generally within approximately 2-3 business days (business day equals 6 a.m. to 2 p.m. local IVES site time) to a third party with the consent of the taxpayer. 

The transcript information is delivered to a secure mailbox based on information received from a Form 4506-C, IVES Request for Transcript of Tax Return.  A $2.00 fee is imposed on each Non- Qualified Transcript and $5.00 fee is imposed on each Qualified transcript requested. Note: Per the Taxpayer First Act, a “qualified disclosure” means a disclosure under section 6103(c) of the Internal Revenue Code of 1986 of returns or return information by the IRS to a person seeking to verify the income or creditworthiness of a taxpayer who is a borrower in the process of a loan application. 

This service automates the delivery portion of the process. Customers log on to IRS.gov to retrieve their requested transcripts from a secure mailbox located on the e-Services electronic platform. The “front end” of the process remains the same. Customers will need to fax the signed Form 4506-C, IVES Request for Transcript of Tax Return, to one of the three designated RAIVS units. 

As a result of upgrades to our e-Fax services it was necessary to change the IVES fax numbers when requesting products for those participants aligned with Fresno and Ogden. The new fax numbers are:

Participants encountering problems with the Registered User Portal (RUP) should contact the E-Services Help Desk at 866-255-0654.

Please note that any transcript requests received after 2:00 p.m. the business day prior to a holiday will be considered received on the day following the holiday. For example, if the holiday is on a Monday and the transcript is received after 2:00 p.m. on the Friday before the holiday, then the request is considered received by the IRS on Tuesday morning.

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