Employment Verification Letter for a Loan or Mortgage — Free Template
Banks, credit unions and mortgage lenders ask for employment verification to confirm that a borrower's income is real and likely to continue. They tend to be more detailed than landlords, so a letter that states pay precisely and separates base pay from bonuses or overtime saves everyone time.
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Free to preview[Company name]
[Company address]
October 15, 2026
To Whom It May Concern:
Re: Employment verification for [Employee's full name]
I am writing to confirm that [Employee's full name] is currently employed by [Company name] as [Employee's current job title] on a [Employment status] basis. [Employee's full name] has worked for us since [Employee's start date].
This letter is provided at the employee's request and confirms the information above as of the date of this letter. If you need to verify any of these details, please contact me at [Phone or email for verification].
Sincerely,
[Your name (the person signing)]
[Your job title]
[Company name]
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What lenders usually want confirmed
Lenders typically confirm the start date, current title, employment status, base pay, and whether overtime, commission or bonuses are regular. They may also ask whether the employee is likely to continue in the role. Keep each of these points to one clear sentence.
Separate base pay from variable pay. Lenders often count base pay in full but treat bonuses and overtime more cautiously, sometimes looking at a two-year history. Writing them on one line can lead to questions or a lower income figure.
Lender forms and verbal checks
Many mortgage lenders send their own verification form directly to the employer, and some also call shortly before closing to confirm the borrower is still employed. Respond promptly — a delay on the employer's side can push back a closing date.
If your company uses an outside employment verification service, tell the employee so they can pass that information to the lender. The lender may be able to get what it needs without a letter at all.
What to do, step by step
Get the employee's permission
Only send a verification letter when the employee has asked for one or signed a release. Ask exactly what the requester needs — some only want dates and title, others want pay or hours.
Check your records
Confirm the start date, current title, status and pay against payroll or HR records rather than memory. A wrong date or figure can delay the employee's application.
Fill in the letter
Answer the questions above. Stick to facts you can confirm, and leave out anything the employee didn't ask you to share, such as performance or medical information.
Sign it on company letterhead
Print or paste the letter onto letterhead if you have it, and have someone with authority — usually HR, a manager or the owner — sign it.
Send it and keep a copy
Give the letter to the employee or send it directly to the requester, as agreed, and keep a copy in the employee's file.
What if the landlord or lender wants more than a letter?
Some requesters accept a letter on its own, while others also ask for recent pay stubs, a W-2 or tax return, or a form of their own that the employer must complete. If a form is required, fill in that form and attach the letter only if it helps.
Many lenders and landlords also call to confirm the details. Make sure the contact you list will answer and knows the letter was sent, so the employee isn't held up waiting for a callback.
If you are asked for information you'd rather not share, such as the reason someone might leave or anything about health or performance, it's reasonable to confirm only dates, title and pay. Check your company policy on what HR may disclose.
Example employment verification letter for loan
A filled-in sample with made-up details, so you can see the finished result.
Brightline Logistics, Inc.
4800 Industrial Pkwy, Columbus, OH 43228
October 5, 2026
To Whom It May Concern:
Re: Employment verification for Marcus Bell
I am writing to confirm that Marcus Bell is currently employed by Brightline Logistics, Inc. as Senior Warehouse Supervisor on a full-time basis. Marcus Bell has worked for us since March 15, 2021.
Current compensation: $68,500 base salary per year, plus an annual performance bonus that was $4,200 last year.
Marcus has asked us to provide this letter for his home loan application. His position is ongoing, and we have no plans to change his hours or role.
This letter is provided at the employee's request and confirms the information above as of the date of this letter. If you need to verify any of these details, please contact me at (614) 555-0142 or dana.whitfield@brightlinelogistics.com.
Sincerely,
Dana Whitfield
Human Resources Manager
Brightline Logistics, Inc.
Frequently asked questions
Do mortgage lenders accept an employment verification letter?
Many do as part of the file, but they usually also want recent pay stubs and W-2s or tax returns, and they may verify employment directly with the employer. A letter helps, but it rarely replaces the lender's own checks.
What if the borrower is on probation or recently changed roles?
State the facts plainly: the start date, current title and current pay. Lenders are used to new hires and promotions. Don't describe a probationary role as permanent; if asked, say the position is ongoing and describe the review period accurately.
Can the employer say the job is secure?
Employers should avoid promising future employment. It's fine to say the position is ongoing and there are no current plans to end it, if that's true. That gives the lender what it needs without making a commitment the company can't keep.
What should an employment verification letter include?
At minimum: the employee's name, job title, start date and employment status, plus the name, title and contact details of the person confirming it. Many requesters also want current pay and typical hours. Keep it factual, date it, and put it on company letterhead if you have it.
Who should sign an employment verification letter?
Someone with access to employment records and the authority to speak for the company, usually a human resources representative, a direct manager or the business owner. Include a phone number or email so the requester can confirm the letter is genuine.
FairLetter is not a law firm and does not provide legal advice. Letters are templates you customize and send yourself.