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Income Tax Verification

Heartland Valuation Services understands how important underwriting decisions have become to lenders and the critical nature of timely closings. To better assist lenders in streamlining the closing process Heartland Valuation Services has implemented a turnkey automated Tax Verification feature. Lenders now have direct access to all necessary applicant tax documentation required for loan approval. With our rapid return times on Tax Verification orders, are delivered within 2-3 days.

Heartland Valuation Services accepts electronic signatures on 4506T forms

Heartland Valuation Services’ verification features may be utilized for requesting copies of 1040 personal income tax returns, W-2 employer reported wages, 1099 payments to an independent contractor or investor income statements and 1065, 1120 or 1120-S business tax records. To assist in expediting the request process, 4506 consent forms may be either uploaded directly into the system or faxed over. These requests can be directly ordered via your LOS without leaving the file.

Heartland Valuation Services 4506-T verification reports meets Fannie Mae’s Day One Certainty guidelines. Day One Certainty allows lenders to mitigate the risk that Fannie Mae assumes by offering representation and warranty relief on validated loan components.


  • Income verified directly with the IRS

  • Easy-to-use automated system

  • Quick Turnaround Times

  • Expedites underwriting process

  • Accepted by Fannie Mae’s Desktop Underwriter for Day One Certainty

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