Hello.
I have a question regarding the 4506-C. This is a married couple filing a joint return and they both have an individual form. Does anyone have the spouse sign off on eacher others form , or just their individual form?
Thanks in advance.
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@notaryservice.aa If each signer has his/her own, they sign individually.
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Thank you…someone had theirs returned for the spouse to sign even though it was an individual form, they had to sign off on each others form.
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@notaryservice.aa If you every work with that lender you now know their requirements. Each one is different. The standard is individual
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Okay . Thank you very much
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Completed another form today and it was an individual page for each and one signing page for both. It just depends on the package and my colleagues directed correctly. Some I have both sign and others individually – when in doubt call it out and ask the folks who sent you the package – so you do not have to guess.
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Also, check the tax information at the top of the form. Some of those forms are for a business entity in which the spouse does not participate so there will only be one signature for the party to the business. You will need to ask whether the spouse is a participating member before requiring an also signature.
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They have their own, they sign their own. I have had spouses who are joint filers always fill out the 4506 if they are not on it. I just had my first company that specifically requested NOT to have the nonborrowing spouse fill it in! I asked whether that was a breach of privacy or oversight and they referred me to the lender. Not sure how they wiggle out of asking a spouse for permission to view a joint tax return without their approval. Someone got a good answer? The 4506 is pretty specific!
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Thanks everyone ! I was asked this question from another notary. It does appear to be lender specific. I haven’t had one returned yet regarding this, as I have done both ways as well, fingers crossed. 
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I’m not sure how they can not have the spouses authorization as well if both names are on the form filing jointly. 
I have experienced the same thing. Even though the couple files a joint return the title company did not have the spouse’s name on the form. That will get denied from IRS. So I had the spouse sign. That company actually called me to tell me NOT to do anything on their paperwork that they haven’t requested. So I said OK. From now on I simply have the individual sign or I have both sign according to what the title company has typed in the form.
As mentioned, some IRS forms are for a business entity on which the spouse does not sign. In my experience if the couple have different last names, even though married, there will be individual forms. If they say they file jointly, look at the signature lines. Most companies will type in the name of the signer at the top of the form and also below at the signature line.
I do not have anyone sign where their name does not appear on non-notarized documents because they can always be e-signed later if their signature was overlooked. On Title documents which are notarized, some documents are signed by one signer only if the other signer is a non-Borrowing spouse. It is best to reach Escrow if there is a question on notarized documents, if they are not available then don’t add anything. A possibly overlooked signature can be mentioned when returning the documents on the portal where you close out the file, or with a small note in the package. Sometimes there are instances where an individual’s signature was overlooked. They will have to send someone back at a later date for the correction. If it is not your oversight, you are paid for a second trip.
My experience, I only have the person whose name is printed on the form. By the time I’m walking a customer through a loan package, the lender has seen the tax returns. They wouldn’t approve the loan without seeing them.
I’ve had both, individual forms for each spouse as well as two copies of the 4506-C with both spouses on each, but the names swapped in signing order.
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Hi!
A few factors would help like is she a NBS? Is her name printed at the top? For instance if there are 2 for him and 2 for her, yes I would go ahead and have her sign, although it wouldn’t hurt for all 4 to be signed by him and she signs all 4 in the spouse area… each company loads these different, sone have 2, 3 etc. Regardless it won’t hurt to get her signature under spouse…
hope that helps…
Jody
The safest way is to have both signers sign both forms. Lenders can go either way so better to be safe than sorry.
OK Here you go… I did not read the rest of the comments so…
If both names are on the form have them both sign.
If they have individual forms… the spouse does not have to sign.
This is because if thay are married, but filed seperatly, info from the first signer only will come through.
If thay did sign as maried filing jointly both will come through.
it is a kind of back up to get all the info CYA so to speak
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Examine the authority box which must be check marked on each form “If the request applies to a joint return, at least one spouse must sign; however, if both spouses’ names and TINs are listed in lines 1a-1b and 2a-2b, both spouses must sign the request…”
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It looks like the form has changed slightly. The paragraph is labeled Signature of taxpayer(s) but has the same clause.
I ask you. Where else could you get an answer…So Quickly ? Thanks guys.
This. is what makes this forum.l GREAT
They have you do this just in case they file separately.
This way they can get returns on both individuals.
So the form will work both for people that follow jointly or separately even though they sign separate forms.