Mortgage gift letter


A mortgage gift letter is written by a person who is willing to donate some funds on behalf of another who wants to get a loan but is facing certain difficulty due to insufficient funds on a personal level. Hence, the sender of a mortgage gift letter writes to inform the financial agency that he is giving some amount to the loan applicant without repayment so that the loan application can be approved. Hence the letter is a highly formal letter and should be written carefully.

When embarking on the letter, remember to stick to the three-part division, comprising of an introduction, the main body, and a conclusion. This division will give you a coherent and well-structured letter. In the introduction, state the reason for writing the letter, which is to inform the concerned authorities that you wish to give a certain amount to the person who is reading the letter. In the following paragraphs, explain why you are doing so. Be polite and brief in your letter.

Sample Letter

The following is a sample of a mortgage gift letter.


Harry Linton,

665 Reeves Avenue,

J.S Street

New York



The Chartered Finances,

332 Park Road,

Phoenix, AZ 11203.

Arizona 11203.

Subject: Gift for Mortgage down payment

Dear Sir,

Let me introduce myself as Harry Linton. I am writing this letter concerning the loan application of  Leon Linton, who was denied of a loan as his annual income is lower than that required by your organization. I would like to state in this letter that I am giving a gift of $25,000 to Leon Linton, my son, who has applied for a loan with your esteemed organization.

This gift will be used towards his desire to purchase a home at Lakeside View County. There will be no interest incurred or repayment expected with this gift. I am pleased to offer it freely to my son, Leon Linton, in assisting him with the purchase of his home. He has just started working as a Management Trainee in an international company and has just got married. It is imperative for him to get the loan as he plans to start a family there. This is a crucial stepping stone for him.

Please do let me know if anything more has to me done from my side.  Also, do not hesitate to contact me for any further clarifications required on this mortgage gift. Your full cooperation to Leon Linton in approving his loan is much appreciated. For any additional information or clarification, feel free to call me at 4834538957348 or drop a mail at

Thanking you.

Yours Sincerely,

Harry Linton

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