Get expert tax and accounting help!
Call (866) 681-2140
Call (866) 681-2140
A loan officer wants a CPA letter for mortgage underwriting, and the lender has already set closing. Dimov Tax CPAs write it from filed returns and books, in wording a licensed CPA can sign and an underwriter can rely on.
Call (866) 681-2140.
Reply within 24 hours. Our team answers every email within 24 hours.
Purchase, refinance or business credit. We write a CPA letter for home loan purchases and refinances, and for banks reviewing business credit.
Signed by a licensed CPA. We sign on Dimov Tax letterhead with the CPA's name and license number, so a lender can confirm who wrote it.
10,000+ successful tax filings
3,000+ five star reviews
Federally Enrolled IRS Agents on staff
7am to 8pm seven days a week
A CPA letter is a signed statement on CPA letterhead where a CPA confirms facts from records, such as self-employment, ownership share and figures from filed returns. Underwriters request one when a borrower earns income from a business they own.
Loan officers use other names for it. One may ask for a CPA comfort letter for mortgage review, another for an accountant's letter for mortgage lender files. Whatever the label, a CPA signs to the same limits.
We write a CPA letter for self-employed mortgage files for:
When we prepare the returns and keep the books, we match both to the letter before an underwriter compares them.
Underwriters pick the letter based on how they count the borrower's income, and some ask for two.
We confirm the business name, the owner's share and the tax years the owner reported the activity.
We state net profit or K-1 income for each year exactly as filed. Lenders can pull IRS transcripts through Form 4506-C, so we quote the returns to the dollar.
When an owner takes part of the down payment from business cash, we confirm account ownership and the book balance on a stated date.
Bank statement loan lenders count deposits as income, less an expense ratio for business costs. We state the ratio we trace to the books and returns.
Fannie Mae lets a lender use a profit and loss statement, audited or unaudited, for a self-employed borrower. We prepare it from reconciled books.
If your latest return is on extension, we cannot quote that year in the letter. Individual returns on extension are due October 15, and calendar year partnership and S corporation returns on extension are due September 15.
We can prepare and file the return first, then write the letter from it. If the closing date is fixed, send us the extension confirmation and current books. The lender decides whether those records are enough.
When a lender asks a CPA to vouch for the loan decision or future income, we rewrite the line. The Nebraska Board of Public Accountancy has reminded CPAs that the lender underwrites the loan, and that CPAs should give no assurance of solvency.
| Lender's line | What we sign instead |
|---|---|
| The borrower can afford this loan | Net profit as reported on filed returns |
| Income will continue at this level | Years of filed returns showing the activity |
| The withdrawal will not harm the business | Account ownership and book balance on a date |
| We verified these figures | Figures agree with returns as filed |
| The business is in good standing | Entity type and ownership share per the returns |
If a lender wants financial statements instead, we can prepare a compiled financial statement.
Forward the draft with the closing date. A CPA marks each line we can sign as written.
[CPA firm letterhead] | October 1, 2026 | To: Underwriting, [Lender name] | Re: Jordan Rivera, Rivera Design Studio LLC
Parts of a CPA mortgage letter
Illustrative sample. Names and figures are invented.
The sample is not a CPA letter for mortgage template to fill in and sign yourself; we write each letter from the borrower's own records.
Freddie Mac found forged CPA letters in ten loans in one fraud review, some claiming the business could spare the cash. Freddie Mac advises lenders who doubt a CPA letter to contact the person named on the letterhead.
Fannie Mae has lenders verify a self-employed borrower's business no more than 120 calendar days before the note date, the day the loan closes. If the parties push closing past that window, the lender verifies the business again and can ask us for an updated letter.
Source: Fannie Mae Selling Guide B3-3.1-04, October 7, 2026.
Send the exact wording, the recipient's name, the loan number and the closing date. A screenshot of the loan officer's email is enough.
We need your written consent before sharing tax return information with a lender, under 26 CFR 301.7216-3.
A CPA traces each line to the returns or books and sends you the draft.
We send the signed letter within a few business days of receiving the records, by email to you or straight to the loan officer.
A CPA quotes a flat fee before any work starts. What we price against:
These are the factors, not a quote.
I feel so lucky to have found this company! At the last minute our loan officer asked for a CPA Letter- they worked right through the weekend to finish the project quickly. Even answered emails on throughout the weekend. Just amazing.
You can fix a late letter request with one email, even with closing a few days away.
Forward the loan officer's request for a CPA letter for mortgage loan approval, along with the closing date. A CPA reads the wording and quotes a flat fee before any work starts. Confidential from the first email.
