Short answer
Ask the program what the letter must say, then give your tax professional that list. A useful letter usually states how long they have known you, what the business does and how long it has operated, and, where required, your ownership share.
Before you ask
- Confirm the type of professional the program accepts. Some name CPAs, enrolled agents or licensed preparers.
- Ask what the letter must include, and whether it must be on letterhead or signed.
- Ask about timing. Some programs only accept letters dated within a short window before closing.
What a letter often covers
- The professional's name, license type and contact details.
- How long they have prepared your taxes or worked with the business.
- The name of the business, what it does and when it started.
- Your ownership share, if the program asks.
- Expense details, where the program offers a documented factor.
Be realistic about what they can sign
A tax professional will only attest to what they know. Do not ask them to state something outside their records. If they cannot write a letter, ask your loan officer about the alternatives the program accepts.
See the full proof checklist.
Related
Ready to talk it through?
Apply online or call. A loan officer will review your situation.
Frequently asked questions
What if I prepare my own taxes?
Some programs do not accept a self-prepared letter. Ask your loan officer which alternatives, such as a license or other records, apply.