Lenders often ask for two to three years of tax transcripts.
Most employer portals offer free access to historical W-2s. However, third-party tax software (e.g., TurboTax, H&R Block) may charge a fee (typically $10-$15) to download a prior-year return if you used their service. The wwwxx portal is generally free if it is employer-sponsored. wwwxx 2018 tax login