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There have been several changes in the mortgage requirements over the past year.  The most recent change is in income vertification with the IRS.

In the beginning of September, Fannie Mae tightened the requirements regarding the use of IRS tax transcripts to verify mortgage borrower income. Fannie Mae now “highly recommends” that 4506-T transcripts be obtained from the IRS (or designee) for the transaction prior to closing and is used to validate the income documentation provided by the borrower and used in the underwriting process. So, you, the borrower will be asked to complete and sign Form 4506-T at both loan application and closing.