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What Is A Social Security Authorization Form?

I am in the process of buying a home and we are all approved for our mortgage with our bank. My realtor just told us (out of the blue) we have to fill out a domestic relation and social security authorization form. I have a clear understanding of the domestic relation form.  Checking to make sure we don't owe any child support, etc. What is the ss authorization form for??? I am not sure who is requesting that information and what they will be using our ss#'s to check out?? Can someone please give me as much information as you can on this topic. My realtor isn't being very clear and  I am getting quite frustrated!! Thanks!!
  • October 24 2011 - Philadelphia
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Answers (7)


Talk with your lender and they will explain it to you. In getting the funding to purchase a home there are alot of hurdles to go over. This is just another something they need to be sure you are you. To get the full detail explanation, look to your lender. They will advise you as to why and how things are being done today. Thank you for your question.
  • October 31 2011
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As a PA Realtor we use this form in PA to authorize our conveyencers (behind the scenes processing department) the right to order appropriate documentation in which they would need your SS#. It is my understanding the most common use is to order the DOMESTIC RELATIONS to verify that there is no back child support owed at the current time. (It could also be used if the processing department is assisting you in ordering home owners insurance quotes). 
  • October 31 2011
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I'd love to see the copy of the form. It seems like the form Justin is talking about is the IRS form that we as lender's use to verify the SSN.  Gwen seems to be talking about a different form that is a release form. 

I honestly don't recall completing a release form for my social when buying homes.  There shouldn't be a need for a real estate broker to give ssn to a lender or credit reporting agency but the title companies may need to deal with liens.
  • October 25 2011
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If your real estate agent is asking for it in reference to your loan then your real estate agent is performing a loan origination function. Ask your agent for his/her NMLS number before providing it, or call your lender and provide it directly to your lender.

In addition to what Justin said, your title company may need it in order to file the appropriate tax form(s).
  • October 25 2011
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In addition to the great answers below, the form actually authorizes the Broker or his agents to provide your SS# to anyone needing it in the course of finalizing your transaction, such as lenders, title agencies, credit reporting companies, etc. A separate authorization form is needed for each party involved in the transaction.

Hope this is helpful. Good luck!
Gwen
  • October 24 2011
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Profile picture for wordsmth
Wow, jelly/Crombie, you do get around!

If your Realtor isn't being clear, ask to speak to his/her broker. There are all sorts of tax implications when you buy a property. Some are relatively small--interest that you might be owed based on your earnest money deposit or down payment that's put into an interest-bearing escrow account--and some are pretty large. Any taxable/potentially taxable events are going to be reported to the government. Put another way, the government requires that all such taxable events be reported.

And your lender will require the same information as part of the whole loan process. And it'll be important when you claim taxes and interest on your mortgage (based on information the lender provides you) that the same information has been provided to the IRS.

Hope that helps.
  • October 24 2011
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It is primarily a fraud prevention tool   The bank will verify the SS# you used on your application is your ACTUAL SS# by getting that information directly from the Social Security Administration.

This is standard document for every loan and nothing to be alarmed about.
  • October 24 2011
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