Credit Reference Letter For Mortgage - Free Download
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SAMPLE CREDIT REFERENCE LETTER
Major creditor such as Mortgage/Building Society, Credit Card, Car Loan
National Building Society
Financial Business Park, London
June 11th, 2005
To: Judy Hamblen, Vice President
Florida Residential Mortgage
1500 Cordova Road, #314
Fort Lauderdale, FL 33316 U.S.A.
Dear Judy Hamblen:
Mr. and Mrs. David Stephens took out a mortgage loan in August 1999 secured by their
residence, the repayments of which have always been kept up to date. Their account
number is 00965738. Our records indicate there have been no 30 day late payments in
the last 12 months, and no 30 day late payments in the last 24 months.
Customer Service Manager
01555 444 389 direct, email: Audra_Smythe@NationalMortgage.co.uk
Note: A credit reference letter must have at least four (4) elements.
1) Date of original loan so as to establish how long you have had the account, as
you are required to have had the account established for at least 24 months.
Depending on the lender and the loan program, the last 12 months or the last 24
months must be reviewed by the creditor. Payments must be timely, with no 30
day late payments posted against the account.
2) Account number.
3) Late payments, if any, in the last 12 or 24 months. WE DEFINE A LATE
PAYMENT AS A PAYMENT RECEIVED 30 DAYS AFTER ITS DUE DATE.
4) Name and direct telephone number of the individual who prepared letter and
reviewed account. Please try to obtain an email address.
ORIGINAL COMPANY LETTERHEAD OF CREDITOR WITH NAME, ADDRESS AND
CONTACT DETAILS of the creditor, please.