Lender’s Guide to Form 4506-T

The 4506-T is a request for tax return transcripts from the IRS. After the housing market crashed, Fannie Mae has made it mandatory for lenders to verify a borrower’s claim to income. Lender could have the applicant sign form 4506-T before or at time of

Impact of Revised EEOC Criminal Record Guidelines

Under Title VII of the Civil Rights Act, it is illegal for employers to discriminate against job applicants based on race, color, religion, sex, or national origin.  The EEOC (Equal Employment Opportunity Commission) ensures that these rights are upheld in the employment market. The EEOC recently introduced new guidelines in