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1. Get Answers

Your online questions are customized to your unique tax situation.

2. Maximize your Refund

Find tax credits for everything from school tuition to buying a hybri

3. E-File for FREE

E-file free with direct deposit to get your refund in as few as 7 days.

Filing your taxes with paper mail can be difficult and it could take weeks for your refund to arrive. IRS e-file is easy, fast and secure. There is no paperwork going to the IRS so tax refunds can be processed in as little as 7 days with direct deposit. As you prepare your taxes online, you can see your tax refund in real time.

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Free Tax Filing

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Free Tax Filing

Free tax filing Last year, the ADOR introduced taxpayers to a new refund payment choice. Taxpayers, filing a refund return, can receive their 2013 individual income tax refund in the form of a refund debit card, the Alabama Tax Refund Card. The Alabama Tax Refund Card is a prepaid VISA debit card and can be used just like cash at retail locations. Free teller-assisted cash withdrawals can be made at banks and credit unions that accept VISA. To receive the card, taxpayers must check the box on their 2013 Alabama tax return, indicating they wish to receive their refund in the form of a refund debit card. Free tax filing

Mortgage Transfers and Refinancing

Mortgage Refinancing

Consider refinancing your mortgage if you can get a rate that is at least one percentage point lower than your existing mortgage rate and if you plan to keep the new mortgage for several years. When comparing mortgages, don't forget to include the extra fees you must pay for the new mortgage. You may be able to get some fees waived if you are able to refinance with your current mortgage holder.

In addition, the Making Home Affordable Program offers opportunities to modify or refinance your mortgage to make your monthly payments more affordable. It also includes the Home Affordable Foreclosure Alternatives Program for homeowners who are interested in a short sale or deed-in-lieu of foreclosure.  Visit the website or call 1-888-995-4673 for more information.

Mortgage Transfers

New Federal Reserve rules help mortgage borrowers by requiring that mortgage companies notify them when their loans are transferred to another company. Before the new rules, if your loan was sold or transferred from your current lender to a new lender, the new lender did not have to tell you that it acquired your loan. The new rules ensure that you know who owns your loan, which is important information if you have questions or payment disputes or want to discuss loan modifications.

Under new rules, the company that takes over your loan must send you a notice within 30 days of acquiring it. Even with a new loan owner, the company that "services" or handles your loan might not change and you might continue to send your payments to the same address. If that loan servicer changes, you will receive a separate notice.

For more information about servicing companies, read the Federal Trade Commission's publication "Mortgage Servicing: Making Sure Your Payments Count".

The Free Tax Filing

Free tax filing Alabama Accountability Act Tax Credits Free tax filing The 2013 Alabama Accountability Act provides a parent-taxpayer refundable tax credit available to eligible individual income taxpayers, limited to $3,563 for the 2013 tax year. Free tax filing In addition, a scholarship granting organization (SGO) contribution tax credit is available to both individual taxpayers and corporate taxpayers. The maximum eligible amount for individuals is $7,500, but is limited to one half of the taxpayer’s tax liability amount for the year. Corporate taxpayers are limited to one half of the corporation’s tax liability amount, beginning with the corporation’s 2013 tax year. The Alabama Schedule AATC7 Alabama Accountability Tax Credit will be used to claim the credits. Full details of these tax credits are available at