Tax transcript authorization
How do we get the borrower's transcript request signed, obtain the IRS transcripts and match them to the tax returns in the file?
Sign, order, match. Callvu prefills the transcript request form for each borrower with the years the program requires, captures the signature on a secure screen, submits the request through the lender's income verification service, reads the transcripts when they return, matches the income lines to the tax returns in the file year by year, flags any difference, and files the transcripts and the match to the loan.
In scopeSimpleCallvu moves: chase and verify, write back
Last updated November 7, 2026.
The problem today
The transcripts came back and sat in the file, and the returns the borrower gave were for a different filing.
The processor gets the borrower to sign the transcript request on paper, sends it to the service, and files the transcripts when they return. Nobody compares them with the returns the borrower uploaded. The quality control reviewer does, and finds the wages differ by a figure that changes the ratios.
The programs require the transcripts, or the service's equivalent, as the independent check on the returns and the W-2s, for the years used to qualify. The match is the point; the transcript alone is a document.
The signature and the match are both one screen.
How it runs
From the requestto the system of record.
The document collection process requires tax transcripts for the years used to qualify. Callvu opens the transcript request for each borrower.
- Borrower
- Signs the transcript request on a secure screen.
- Processor
- Sees the order status and reviews only flagged differences.
- Callvu
- Prefills, captures the signature, orders, reads, matches and files.
Prefill the request
The transcript request form is prefilled with the borrower's identifying details, the years the program requires and the transcript types, and presented for signature on a process-controlled screen; each borrower signs their own.
Chase and verify the order
The signed request is submitted to the lender's income verification service; the order is tracked and the processor sees its status. A rejection (a mismatch in the borrower's details) is corrected with the borrower and resubmitted.
Match the transcripts
The transcripts are read on return and the income lines (wages, business income, interest, adjustments) are matched year by year to the tax returns and W-2s in the file; a difference above the lender's tolerance is flagged with the two figures for the processor.
Write back
The transcripts and the match results are filed to the loan in the LOS under the condition, which clears on a match or on the underwriter's acceptance of a flagged difference.
Where it ends: The transcripts are in the file, matched to the returns year by year, with any difference flagged and decided. The Decision Trace shows the years requested and the match; the Audit Trace shows the signature, the order and the return.
Runtime enforcement
What is enforcedwhile the work runs.
The regulations preloaded in Callvu Studio and the bank's own policies, applied as steps that run, not lines in a binder. A step that breaks a rule does not run, so a completed run was compliant.
The handoff
Between the front doorand the back office.
The front door
A secure screen for the borrower's signature; the service's order channel.
The back office
The processor sees status and flags; the underwriter decides differences.
The Decision Desk
- A difference above tolerance between the transcripts and the returns goes to the underwriter in the Decision Desk with both figures and only the allowed outcomes.
Proof
In scope.Proof at scale, not one process at a time.
The kind of process Callvu runs in production for customers in this industry. Ask for a reference on this exact process. The results below are the industry's published proof; each claim code links to its record on agents.callvu.com.
Questions
What buyers ask next,answered plainly.
How does the borrower sign?
On a secure screen, on a prefilled request with the years and types the program requires; each borrower signs their own.
What happens when the transcripts return?
They are read and matched to the returns in the file year by year; a difference above the lender's tolerance is flagged with both figures.
What if the request is rejected?
The mismatched detail is corrected with the borrower and the request is resubmitted, with the processor seeing the status.
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