The question was raised: How should a husband and wife sign the 4506T?
I have done many closings in which both names appeared on the 4506T:
In this case, I have the primary borrower sign the top line, and the spouse sign the bottom line:
What I sometimes see is that the lender will provide a separate 4506T for the spouse, in addition to the one that had both names on it:
For this form, only one signature is required -- the person whose name appears on the document. That person will sign two separate 4506Ts -- one for the joint return, and one for the individual form:
If there are two separate 4506Ts (one for each borrower), then only one signature is required on each, and that signature will be for the person whose name is on the document. I don't have the borrowers sign each other's 4506T as the spouse, if their names don't appear on it. Why should they? There is only one social security number on it.
As a footnote: the form expires 60 days after it has been signed.
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