address in an application letter

How to address a cover letter | with examples

The way you start your cover letter counts.

It’s the first thing a hiring manager sees when they open your application so you need to make them excited to peek into your CV .

In our guide, we’ll show you the ropes on how to address your cover letter, and even teach you how to find the recruiter or hiring manager’s name for maximum impact.

CV templates 

Address the hiring manager or recruiter directly

Address the hiring manager or recruiter by name to start building a rapport with them.

Something simple like, “Hi Lucy” will do the trick.

According to recent research , simply seeing your own name can trigger a strong response in the brain. So, be sure to do this, to captivate the recruiter’s attention.

How to find the recruiter or hiring manager’s name

You may be wondering, “How do I figure out their name?”

There are several ways to find out the name of the person handling the job opening, which we’ll look at below.

When you’re reading a job advert, you’ll sometimes find the name and email address of the person you need to get in touch with directly in the ad.

Look out for the section that says “For enquiries” or “Contact person”.

For example, the advert might say something like:

“For more info, please contact Susan Wright at [email protected].”

Usually, this person manages that job vacancy.

If you see this information, it’s your lucky day – job adverts are the simplest way to find the correct name.

Company website

If you can’t find the recruiter’s name on the job advert , and you’re applying for a job directly via a company, check out their website.

Keep an eye out for a “Who We Are” , “About Us” or “Our Team” section.

Here, you’ll usually be able to find the info about the people who work there, including the head of the department or hiring team connected to the position you’re applying for.

Look at the people’s profiles to get the one that fits your job’s department.

If you have trouble finding it directly, use the search bar on the company’s website and type in “Head of [Department Name]” or “HR Manager”.

You could also run a Google search for “[Company name] + team” for a quick way of finding an About Page for a particular team or department.

LinkedIn is one of the best ways to find a hiring manager or recruiter because millions of them are registered on the platform.

Firstly, ascertain the company that posted the position and the team it’s connected with from the information provided in the job advert.

When you know the department and organisation, head over to LinkedIn . Here, you can use the search bar to look for the company name, department or job title associated with the job opening.

Let’s say you’re applying for a marketing vacancy at Tesco. You can search for “Marketing Manager” in the search bar like this:

Once the search results appear, click the “People” filter button to narrow down your findings further so that you’re only seeing people (and not companies or groups).

Then make sure you choose your target company under “Current Company” – this ensures you only view people who are current employees.

You will need to type the name of the company into the text box like this:

Click on the name of the company you typed in. In this case, it’s “Tesco.”

Then hit the blue “Show results” button.

And examine the profiles that come up.

You’ll be able to find the person handling the job applications by looking for titles such as “recruitment manager” or “team leader” .

And once you view their profiles you may even be able to get hold of their phone number or email address.

Contact info

Here is how you can find a person’s email address via the contact details, if they have entered them.

Click on their profile then seek out the “Contact info” section.

This sits under their profile picture and headline.

If the user has made their contact info visible, you’ll see it here.

About section

Often, you can locate additional contact info, such as email addresses, in the “About” or “Summary” section of their profile.

To do this, scroll down to the user’s “About” section.

If the user has decided to include their email address, you’ll see it here.

If you can’t find an email, you can contact them directly through LinkedIn.

Here’s how you’d do this:

• Send a connection request – Send the person a connection request and a message. When they accept your request, you’ll be able to write an accompanying message.
• Use InMail – If this specific individual isn’t in your network, use the LinkedIn InMail. This is a premium feature which lets you send messages to LinkedIn members outside of your network – it’s useful but do. Of course, there is a fee to use this feature but it’s a useful tool.

What if you can’t find a name?

Don’t panic if you can’t find the name of the individual you’re trying to address. This will happen a lot during your job search .

In such cases, it’s absolutely fine to begin with a friendly “Hi.”

But don’t use expressions like “Dear Sir or Madam” – this sounds extremely outdated and aloof.

If you use the word “Hi”, this ensures your cover letter is more amicable and modern , even when you’re unsure of the person’s name.

This is a courteous and simple way to start if you have difficulty locating the specific hiring manager’s name.

How to write a cover letter email subject line

A recruiter’s inbox gets flooded with applications, so when you write your cover letter email , your initial goal is to entice them to read your email.

You must catch their attention with a compelling subject line and give a captivating reason for them to click on your message.

Avoid using generic subject lines, such as:

• “Check This Out” – Subject lines like this sound spammy, and hiring managers may ignore it.
• “Important” – Recruiters won’t know why your email is important – they might deem it clickbait.
• “CV Attached” – This subject line doesn’t offer any context or engage the recruiter in any way at all.
• “Hire Me” – This comes across as too blunt and provides no context.
• “I Need a Job” – This sounds too direct and may sound a little too desperate.
• “Looking for Work” – While you’re being upfront, this isn’t an engaging subject line.

Instead of including any of these generic subject lines, you must promote your selling points right off the bat.

For instance, use subject lines that highlight your skills and expertise in a concise, screen-friendly title.

Determine your main strengths as an applicant and invent a way to integrate them into your subject line.

You could say something like:

• “Veteran Graphic Designer with a Portfolio of Projects”
• “Registered Nurse with Intensive Care Unit Expertise”
• “Committed Secondary School Teacher with 10 Years’ Classroom Expertise”
• “Certified IT Professional with Experience in Network Security”

These subject lines are effective because they communicate key information and value to hiring managers clearly and concisely. Each tells the recruiter about your qualifications and expertise and is tailored to the specific job or field.

A recruiter is more likely to open an email from someone who can potentially meet their requirements.

A quick tip: Remember, subject lines have a limited amount of space – you’ll probably only be able to squeeze in between 30 and 35 characters.

How not to address a cover letter

When you’re addressing your cover letter , some things simply aren’t worth including. These old-fashioned or overly formal ways of starting a cover letter can make a negative first impression.

So, avoid the below phrases in your cover letter greeting:

• “Dear Sir or Madam” – This is far too old-fashioned and doesn’t show much effort. It’s also fairly impersonal.
• “What’s up, [Department Name]?” – This is excessively informal and will probably give hiring managers the wrong impression about you. It also doesn’t address the specific person.

Steer clear of these unimpressive ways to address your cover letter and plump for a more personal, engaging approach, like “Hi James” or “Hello Sarah”. Don’t forget, you need to get the perfect balance of friendliness and professionalism.

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• Careers & Jobs

How to Address a Cover Letter: From Heading to Date to Salutation + More

We’ll discuss how to address a cover letter with examples, and then we’ll look at specific parts of each cover letter address area in detail..

Writing a cover letter might be one of those things that make you want to bang your head on your keyboard.

Fortunately, though, addressing a cover letter is a piece of cake (we’ll help you with the other bits in a different article).

In this short article, we’ll walk you through how to address a cover letter effectively and easily, with examples, and then we’ll guide you through the specific parts of each cover letter address area in more detail.

Let’s get to it!

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How to Address a Cover Letter

Here’s an example of how to address a cover letter:

Your First & Last Name Your Address Line 1 Your Address Line 2 January 1, 2021 Jessica Schwartz Human Resources Manager Name of Prospective Company Prospective Company Address Line 1 Prospective Company Address Line 2 Dear Jessica:

And there you have it! 

As you can see from the cover letter address sample above, it’s really quite simple. Feel free to copy and paste that into your cover letter opening and tweak to your needs!

Next, we’ll go into detail about each of the various subsections of the cover letter address area.

Related Read : 10+ Cover Letter Tips & Tricks Sure to Score Interviews

Structure of a Cover Letter Address Section

1. cover letter heading (sender’s information).

At the very top of your cover letter, in what’s called the cover letter header, you’ll place your contact details. 

As we showed you above, it’s quite simple:

Your First & Last Name Your Address Line 1 Your Address Line 2

If you want, you can include your phone number or email address, as well.

Cover letters follow a business letter or formal letter format, but, you don’t have to necessarily stick to the styling of the example above. If you have a stylized heading with your name and contact details from your resume contact information section, feel free to use the same heading here!

However, for the remainder of the cover letter, stick as close to the business letter format as possible.

2. The Date

The entirety of addressing a cover letter is quite simple, and that’s true for the date as well.

Here’s how to add a date on a cover letter:

January 31, 2022

Just remember to leave a line break space both above and below the date to keep things looking neat and organized.

Related Read : Career Glossary: 45+ Job Terms, HR Vocab & Employment Words to Know

3. Inside Address (Recipient’s Information)

After the date, it’s time to add the recipient’s information, also known in formal letter writing as the “inside address.”

As we showed you above, here’s how to write the company’s info:

Jessica Schwartz Human Resources Manager Name of Prospective Company Prospective Company Address Line 1 Prospective Company Address Line 2

We start with the name of the person you are addressing the cover letter to, usually the HR manager or hiring supervisor, followed by their official title at the company. Do your best to find someone’s name so it is tailored by researching the company and its LinkedIn profile.

If you still can’t find someone’s name, simply put “Hiring Manager” or “ATTN: Hiring Manager” above the company name and address.

4. Salutation

The last part of the cover letter address section before reaching the body is the salutation. 

And here’s how simple that is:

Dear Jessica:

Easy as that! 

You can tweak that a bit, if you prefer not to use “dear,” for example. You could also choose to use their last name (“Dear Ms. Schwartz”) or their full name. However, in most cases, I think the first name is most powerful (and we’re in the 2020s now, as well).

Finally, use a colon after the name and you’re through!

Related Read : Resume Sections: 10+ Things to Include on a Resume to Land Interviews

Well, that’s it for our guide on how to address a cover letter, and we hope it helps answer all your questions about addressing cover letters right. Got any further questions or feedback about how to format the address on a cover letter? Let us know below in the comments, and thanks for reading!

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thank you for this article, Goodwall! It’s easy, simple, and so useful for me, because I search for a job right now and have to send out many cover letters. Wish me luck 🙂

Thanks for your comment, Anastasia, and for stopping by! I’m so happy if it helped, and I wish you the best of luck on your job search!

Your Privacy

How to Address a Cover Letter in 2024

Yes, how you address your cover letter matters.

After all, this is the first thing the recruiter reads when going through your cover letter, and yes, there is a right and wrong way to do it.

In this article, we’re going to teach you how to address your cover letter in such a way that you leave a positive impression on any recruiter!

• How to address a cover letter to a recruiter? (Casual or formal)
• What title to use when addressing the hiring manager
• How to address a cover letter without a contact person/to a company
• How to address a cover letter without an address
• How to address a cover letter in an email

How to Address a Cover Letter To a Recruiter (Casual or Formal)?

As we already mentioned, the way you address your cover letter is important because it is the very first thing recruiters see upon opening your cover letter. 

A well-formulated cover letter address means that you care enough to research the company (i.e. to find the hiring manager’s name and title) and that you show attention to detail. 

As such, you should always put some research into who you’re addressing your cover letter to and do so in a formal way.  

And yes, the formal part is important too. The recruiter isn’t your best friend - you want to maintain a sense of professionalism.

If this is how you address the recruiter in your cover letter:

• What’s up Hiring Manager
• Hi there Hiring Team

Then you say goodbye to the job.

Now, you’re probably wondering, how can I find out whom to address my cover letter to?

That’s what we’re about to teach you:

Who Am I Addressing My Cover Letter To?

Here are some tricks to find the full name of the hiring manager: 

• Check the job listing. The job listing may have information about the recruiter or the department doing the hiring. Make sure to read through the entire job listing, as it might not be at an entirely obvious place.
• Check the company website. Some websites feature the names of the hiring managers or heads of departments that may go through your cover letter. Alternatively, LinkedIn is another place where you can look for this information.
• Check the company’s LinkedIn. You can look up who works in the company you’re applying for on their LinkedIn page.
• Ask around. Do you have friends that work for the company? They could provide you with valuable inside info.

To avoid making a bad impression, head over to our guide on cover letter mistakes to learn about what NOT to do when writing your cover letter.  

Addressing a Cover Letter With a Name

By now, you have probably found the hiring manager’s full name and gender. With this information available, it’s best to address the hiring manager formally, as follows: 

• Dear Mr. Brown,
• Dear Miss Fitzpatrick,
• Dear Mrs. Lockhart,
• Dear Ms. Walters,

If, for some reason, you are unsure about the person’s title, gender, marital status, or preferred pronouns, just address them using their entire name to avoid any mistakes. For example:

• Dear Alex Brown, 
• Dear Blair Fitzpatrick,
• Dear Jesse Lockhart,
• Dear Madison Walters,

Addressing someone with a title 

Now, if you found out that the hiring manager has a professional or academic title, then it’s more appropriate to address them using that title. If, for example, the hiring manager has a Ph.D., then it’s more respectful to address them as “Dr. Last Name,” instead of “Mr. Last Name.”  

Here are some professional titles and how they’re abbreviated: 

• A professor is Prof. 
• A reverend is Rev. 
• A sergeant is Sgt. 
• Honorable is Hon. 

If, however, you are uncertain about how a title is abbreviated, then avoid it altogether. 

Here are a few examples to give you an idea: 

• Dear Prof. Welsch,
• Dear Director Smith,
• Dear Rev. Owen,

Dear Dr. Leonard,

When addressing women and you don’t know their marital status, always go with Ms., because it doesn’t comment on marital status. Some women prefer not to be addressed with Miss or Mrs. even when they’re married, so sticking with Ms. is the best choice. 

Want to learn more cover letter tips ? Our guide has all you need to ace your cover letter!  

How to Address a Cover Letter Without a Contact Person

It might happen that, no matter how hard you search, you can’t find the name of the hiring manager or department head that will read your cover letter.

In that case, you can address your cover letter to the department, faculty, or the company.

• Dear Software Development Hiring Team,
• Dear Customer Service Department Hiring Team,
• Dear Head of the Literature Faculty,
• Dear Director of Marketing,
• Dear Human Resources Recruitment Team,

Alternatively, if you don’t have enough information either about the department or the team, you can opt for addressing the cover letter directly to the company’s hiring staff, as follows: 

Dear [Company Name] Hiring Team 

Dear [Company Name] Recruiting Staff

If all else fails (meaning, you don’t know the name of the department head or even the exact department, in addition to the recruiter) then you can use one of the good, old-fashioned:

Dear Hiring Manager,

...but NOT the impersonal and way outdated “To whom it may concern” and “Dear Sir/Madam.” 

Starting a cover letter can be challenging. Our guide can show you how to start a cover letter that will get you results from the get-go. 

How to Format the Company’s Address

Before you reach the salutation, you have to make sure that the header with the recipient’s contact information is formatted correctly. 

It might not be the deciding point of whether you’ll secure an interview or not, but it will cost you points if it’s off. 

So, the first thing you want to do is add your name and surname on the upper left side of the cover letter. Underneath, you should write your professional title (if applicable), your email , and your phone number . 

Now, after you’ve also added the date, you should leave one more space and add the recipient’s contact information and, most importantly, the company’s address. 

It should look something like this on your cover letter: 

When You Can’t Find the Company’s Address 

Some companies might have several addresses listed (as per their branches, for example), or even none at all. 

Since an application that doesn’t have an address line could end up lost or misplaced, make sure you do one of the following before skipping the company’s address completely:

• Check all your resources, (pretty much like when you were looking for the hiring manager’s name) to find the company’s address. 
• Use the company’s headquarter address. This is sometimes easier to find, especially if the company has several branches. 
• Use the P.O. Box number for the company. This is not as specific as an actual address line, but if all else fails, it’s still something. 

Frequently, you’ll be asked to submit your job application (including your cover letter) electronically, or by email. In those cases, you can skip the address line altogether. 

Here’s how you’d go about addressing a cover letter in an email.

How to Address an Email Cover Letter

If you’re sending your job application through email, chances are you’ll need to format your cover letter in the body of the email, or as an attachment along with your resume.

First and foremost when you’re addressing a cover letter in an email is the subject line, which should be between 6-10 words long. 

Considering that hiring managers receive countless emails daily, you want to make sure that yours is a job application immediately. And the way to do that is straight through the subject line, which should indicate exactly the position you’re applying for and your name so that it’s easier to find through the recruiter’s swarmed mailbox. 

Here’ what we mean by that:

• Subject Line:   John Doe - Software Development Job Application 
• Subject Line: John Doe - Job Application for Marketing Manager Position   
• Subject Line: John Doe - Stock Manager Job Application 

Afterward, if you’re including your cover letter in the body of the email (as opposed to attaching it as a document), begin by using a salutation, add space, and start your letter. 

If someone referred you for the position, make sure to mention that in the subject line of your email as well as in your opening paragraph.  

So, let’s see how all the above plays out in practice: 

Subject Line: John Doe - Carl Jacob’s Referral for Software Developer

I was very glad that Mr. Jacobs, a long-time partner at your firm who also happens to be my mentor from college, referred me for the Software Developer position. 

Do you want your style, personality, and overall personal brand to shine through your application? With Novorésumé, you can match your cover letter with your resume to make a lasting impression! 

Key Takeaways 

And that’s all there is when it comes to addressing a cover letter! You should feel much more confident in doing so by now. 

Either way, let’s go over the main points we covered throughout the article: 

• Your cover letter address should be formal and well-researched. Don’t address the hiring manager with “hey,” “what’s up,” “hi there,” or even the old-fashioned “Dear Sir/Madam” and “To Whom It May Concern.”
• Always try to find the hiring manager’s full name and professional title through the company’s website, LinkedIn, by calling, or by asking someone who works there.
• If you know the hiring manager’s name, go with “Dear Mr./Miss Last Name,” but if you’re unsure about their gender, marital status, or preferred pronoun, just address them using their full name.
• If the recruiter has a professional or academic title, it’s more appropriate to address them using their title.
• If you can’t find the contact person’s name, then address the department, faculty, or company (i.e. Dear Microsoft Hiring Team , or Dear Software Development Recruitment Team ).

Related Readings: 

• Do I Need a Cover Letter in 2024
• Entry-Level Cover Letter
• Cover Letter for Internship
• How to Write a Cover Letter in 2024

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• Resume and Cover Letter
• How to Address a Cover Letter...

How to Address a Cover Letter to Recruiter or Hiring Manager

5 min read · Updated on November 24, 2021

Knowing how to effectively address a cover letter makes you a very visible and appealing candidate.

Did you know that the cardinal rule of cover letters is personalization? It impresses a hiring manager or recruiter because it tells them you took time to research the specific information for the letter rather than sending a generic version.

What many people forget, however, is that the greeting or salutation in a cover letter must also be personalized with the hiring professional's first and last name whenever possible.

There are several effective ways to find the hiring manager's name for your greeting — and some acceptable back-up strategies when you can't. Either way, knowing how to address a cover letter effectively can prevent you from ending your hiring chances before they even begin. 

When you know the hiring manager's name

More often than not, you'll be given the name of the hiring professional or the manager that you'll work for. Whoever it is, use their full name (first and last name) in the greeting. 

If you cannot definitively tell the gender of the hiring person, do not use a gender-based title such as “Mr.” or “Ms.” in the greeting. Instead just use the person's full name.

For example, Alex Johnson could be male or female. To avoid a gender mistake, use Dear Alex Johnson, Hello Alex Johnson, or simply Alex Johnson .

However, professional titles such as “Professor” or “Dr.” are definitely acceptable as a cover letter salutation and should be used as a sign of respect. Be on the lookout for these and other titles to include.

How to find a hiring manager's name for your cover letter

If you're not given the name of the hiring manager, here are some effective ways to discover their name by using:

The job description: Check this document for the hiring manager's name. While it's not generally listed, you never know. If it's not obvious, there's also a trick to quickly discover an email in the job description that might contain the name; while in the document, press Ctrl +F or run Command + F and search for the @ symbol.

An email address: If you discover an email address, it may not have a full name but rather a first initial and last name or just a first name like [email protected] or [email protected] . A Google search combining the person's name as shown in the email and the company name might find you the person's full name.

 A LinkedIn post: A name connected to the LinkedIn job posting is probably that of the hiring professional who posted it, so use that name in your greeting.

The supervisor's title: It's more likely that a job description will list who the new hire will report to — such as the director of accounting — without listing a name. In this case, there are several search options:

Search the company's website for listings of staff members by title.

Run an advanced LinkedIn or Google search for all directors of accounting at that specific company.

Check with your network for someone who might know the person's name or search the appropriate professional networking sites.

Contact the company by phone or email. Tell them you're applying for [job title] and want to address your cover letter to the right person.

In the end, this research can be the difference between making a great first impression and getting noticed for the position — or getting totally ignored by the hiring manager. 

Acceptable options in lieu of a name

If you try the steps above and come up empty, there are still some alternative greeting options that will put you in a professional light.

The idea is to show that you've read the job description and tailored your greeting based on the company department where the job is located, the hiring manager's title, or the team with which you'll potentially work.

Some good examples include:

Dear Head of Design

Hello IT Department

Dear Accounting Manager

To Company ABC Recruiter/Hiring Professional

Hello Marketing Hiring Team

Dear Customer Support Hiring Group

Dear Human Resources

If you still can't find any specific name or department information, go with “Dear Hiring Manager.” It sounds professional and it's not gender-specific. In fact, a recent survey of over 2000 companies by Saddleback College showed that 40 percent preferred “Dear Hiring Manager” as the best greeting when a manager's name can't be found. 

“Dear Sir or Madam” is another option that works because it's gender-neutral and respectful. However, it sounds a bit old-fashioned and may signal a hiring professional that you're an older worker or just not aware of other greeting options. It's perfectly acceptable, but the better choice is “Dear Hiring Manager.” 

In the end, an actual name or any of the alternative examples will let you stand out from the crowd, so do your best to find and use those whenever you can.

Never leave the greeting blank

Whatever information you may or may not find, it's important to never leave your greeting line blank.

A blank greeting line can make you come across as lazy or rude, or imply that you simply don't understand how to write a cover letter — all of which will immediately put you out of contention for the job. There's no reason to leave the greeting blank when there are so many options that can be used effectively.

When you spend the time and effort to personalize your cover letter, you don't want to come across as “just another candidate” by using a generic greeting or no greeting at all.

A personalized greeting will impress any hiring professional, increasing the chance they'll read your entire cover letter — and ask you for an interview.

Not sure if your cover letter is cutting it? Our writers don't just help you with your resume . 

Recommended Reading:

Do Hiring Managers Actually Read Cover Letters?

5 Things to Say in Your Cover Letter If You Want to Get the Job

How To Write a Cover Letter (With Example)

Related Articles:

How to Create a Resume With No Education

From Bland to Beautiful: How We Made This Professional's Resume Shine

See how your resume stacks up.

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• Career Planning
• Finding a Job
• Cover Letters

Job Application Letter Format and Writing Tips

• Tips for Writing an Application Letter

Job Application Letter Format

Job application letter template, job application letter example.

• Job Application Email Example

A job application letter (also known as a cover letter) is a letter you send with your resume to provide information on your skills and experience. This letter is your chance to “sell” yourself to an employer, explaining why you are an ideal candidate for a position.

When you write your job application letter, it’s essential to pay close attention to formatting . There’s a right way to format a cover letter; deviate from the standard guidelines and hiring managers may drop you from consideration.

In fact, anything that makes your job application letter appear less than professional can prevent hiring managers from taking you seriously as a candidate. Make sure your cover letter is formatted properly and is free from errors before you send. 

Tips for Writing a Job Application Letter

Do not copy your resume. A cover letter is a sales pitch. The purpose of this letter is to convince the hiring manager that you’re a strong candidate and to highlight your relevant experience and abilities. Your application letter should show how exactly your background makes you a good fit for a particular position. In contrast, your resume is a general record of your experience, education, and accomplishments.

Tailor each application letter to the job. As mentioned above, emphasize in your letter why you are an ideal candidate for the specific job. This requires that you personalize each letter to fit the company and position. Match your qualifications to the job posting by highlighting the skills, experience, and requirements listed in the description.

Be professional. Application letters have a fairly rigid format—as hiring managers read your letter, they will expect to see certain information included in set areas. You have freedom within the structure to be personable, but it is important to stick to a certain level of formality. Pay particular attention to the professionalism of your salutation . You wouldn't, for instance, want to refer to the letter's recipient by their first name unless specifically requested.

Carefully proofread. Employers are likely to overlook an application with a lot of errors. Therefore, read through your cover letter, and even consider asking a friend or career counselor to read the letter. Proofread for grammar and spelling errors. Be particularly mindful to spell the letter recipient's name correctly, as well as the company name.

Follow business letter format. Use business letter format when writing your letter. If you’re sending a typed hard-copy letter, be sure to lead with a paragraph containing your address, followed by the date, followed by the address of the recipient. If you’re sending an email, you can omit the address and date sections.  

Decide whether to send a hard copy or email. The main difference in formatting an email application letter is that you need to include a subject line that clearly lays out your purpose for writing, e.g. “Graphic Designer—Joe Smith.” And, instead of placing your contact information at the top of the letter, as you would in a hard copy, you'll include it below your signature.

Since your application letter will be accompanied by your resume, make sure the letter does not duplicate your resume exactly.

Use this formatting information as a guideline when writing your customized application letters , so you know what information goes where.  

Contact Information Name Address City, State Zip Code Phone Number Email Address

Employer Contact Information (if you have it) Name Title Company Address City, State Zip Code

Salutation Dear Mr./Ms. Last Name, (leave out if you don't have a contact)

Body of Application Letter The body of your application letter lets the employer know what position you are applying for, why the employer should select you for an interview, and how you will follow up. See below for a paragraph-by-paragraph breakdown of the body of the letter.

First Paragraph The  first paragraph  of your letter should include information on why you are writing. Mention the job you are applying for and where you found the job listing. Include the name of a mutual contact, if you have one. You might conclude by briefly and concisely saying why you think you are an ideal candidate for the job.

Middle Paragraph(s) The next section of your application letter should describe what you have to offer the employer.

It can be a single paragraph, or you can break it up into a couple of paragraphs. If the section gets lengthy, you may use bullet points to break up the text. Remember, you are interpreting your resume, not repeating it.

Mention specifically how  your qualifications match the job  you are applying for. In this portion of the letter, make your case for your candidacy.

It can be helpful to spend some time researching the company —this knowledge and insight helps you make an informed and persuasive argument for your candidacy.

Use specific examples whenever possible. For example, if you say that you have lots of experience working successfully on team projects, provide an example of a time you worked in a group and achieved success.

Final Paragraph Conclude your application letter by thanking the employer for considering you for the position. Include information on how you will follow up.

Complimentary Close (examples)

Signature (for a hard copy letter)

Typed Signature

Download the job application letter template (compatible with Google Docs and Word Online) or see below for more examples.

Melissa Brown 11 South Street Harbor View, Maine 04005 555-555-5555 melissa.brown@email.com

July 14, 2021

Jason Rivera Human Resources Director Avery Solutions, Inc. 700 Commerce Way Harbor View, Maine 04005

Dear Mr. Rivera,

I was excited when my former colleague, Stephanie Taylor, told me that you were hiring for a Human Resources Specialist at Avery Solutions.

Stephanie has told me how important teamwork is to your group at Avery, and how much you need an HR Specialist who can fit in with the department and hit the ground running on day one. I believe that I am the ideal candidate for your team.

In my current job at Smith Group, I created and run our onboarding program, including organizing background checks and new hire orientation. I also have extensive experience in:

• Data reporting/data entry on HRIS software
• Recruiting and hiring processes, including creating job descriptions and postings, screening resumes, and scheduling interviews
• Producing company events, such as the annual company-wide picnic (100+ employees from across the country)

I’d love to speak with you about my qualifications and what I can do for your team. I’ve attached my resume for your consideration. Please don’t hesitate to contact me on my cell at 555-555-5555 with questions or to arrange an interview.

Best regards,

Signature (hard copy letter)

Melissa Brown

Job Application Email Example 

Subject Line: George Woo – Editorial Assistant

Dear Ms. Cortez,

I was excited when Ada Wilson told me that you were looking for an editorial assistant with a background in rights and research and a passion for digital media. She suggested that I throw my hat in the ring, and I’d love the opportunity to tell you more about what I can offer your team.

I’ve interned for Ada’s team for the past three summers, developing extensive experience with the rights and research process. Last year, I was instrumental in securing the rights to include Sara Frey’s poems in our digital anthology – a first for an online publisher, according to Ms. Frey’s estate.

I also have:

• Expertise with most popular content management systems, including WordPress
• Analytics knowledge, including expert-level facility with Google Analytics
• A strong work ethic and commitment to meeting deadlines

I hope you’ll reach out at your convenience to tell me more about your team’s goals and needs for the coming year. You can reach me on my cell at 555-123-4567 or via email at George.Woo@email.com.

How to Get Your Application Noticed

Don’t copy your resume: Your job application letter is a sales pitch. Don’t regurgitate your resume; instead, use this document to sell the hiring manager on your skills.

Tailor your application letter to the job: Match your skills and qualifications to the job description, highlighting those that make you an ideal candidate.

Be professional: Use business letter format and be sure to proofread your letter before you send.

CareerOneStop. " How Do I Write a Cover Letter ?" Accessed July 14, 2021.

CareerOneStop. " Write Effective Cover Letters ." Accessed July 14, 2021.

Purdue University. " Writing the Basic Business Letter ." Accessed July 14, 2021.

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How To Write A Job Application Letter (With Examples)

• Best Business Salutations
• Letter of Introduction
• Close a Business Letter
• Job Application Letter
• Business Letter Layout
• To Whom It May Concern
• Letter Of Interest
• Letter Envelope
• Experience Letter
• How To Write A Letter

Find a Job You Really Want In

While applying to jobs, you might be asked to provide a job application letter (sometimes referred to as a cover letter) along with your resume. A resume outlines your professional skills and experience, and a job application letter explains why you are an ideal candidate for the position you’re applying to.

You can think of this as a strictly formatted professional letter that gives hiring managers a sense of your individual qualities prior to a job interview.

This article outlines the essential details and formatting for a job application letter. You’ll learn how to write a concise and engaging letter that will increase your chances of being selected for an interview.

Key Takeaways:

A job application letter can also be known as a cover letter. It is a way to introduce how your skills and experience are a good match for the job.

A job application letter should have your contact information, employer contact information, and a salutation,

A job application application letter should have an introductory paragraph, middle paragraphs that explain your qualifications, and a closing paragraph.

Use specific experiences with quantifiable results to show how your skills were successfully put into action.

Make sure to do your research and edit your letter before submitting.

Tips for writing a job application letter

Job application letter format, what’s the difference between a cover letter and a job application letter, dos and don’ts for writing a job application letter.

• Sign Up For More Advice and Jobs

If you’ve ever asked for advice on the job application process, you’ve likely heard the phrase “sell yourself” a million times over. This means that you should highlight your skills and achievements in a way that will pique a hiring manager ’s interest and make them pause over your application.

You might feel overwhelmed in the grand scheme of online applications, application/ cover letters , letters of intent , and interviews. It’s a lot to balance, especially if you have no experience with any of the things listed.

Remember to take everything one step at a time and review some helpful tips for writing a polished and engaging job application letter:

Tailor the application letter to each job. Your letter should address key points in the job description from the listing, as well as how you can apply your knowledge and experience to the position. You want to emphasize why you are the best candidate for this specific job.

Don’t copy information straight from your resume. Your resume is meant to act as a formal record of your professional experience, education, and accomplishments. The job application letter is where you highlight a few particular details from your resume, and use them to demonstrate how your experience can apply to the job.

Follow the business letter format. These letters have very strict formatting rules, to ensure that they appear as professional to hiring managers. A poorly formatted letter could prevent employers from taking your application seriously.

Proofread. Hiring managers will definitely overlook letters riddled with proofreading mistakes. Read your letter several times over to fix any grammar, punctuation, or spelling errors. You could ask someone else to look over it afterwards or run it through any number of online grammar check programs.

Decide on printing and mailing your letter or sending it in an email. An application letter sent through email requires a subject line that details your purpose for writing— consider “[job title], [your name].” The placement of your contact information is also different depending on the medium . In a hard copy, this goes at the top of your letter, as a header. In an email, it goes below your signature.

The following formatting information can be used as a guideline while drafting your own job application letter, with an example for both a printed/mailed letter and a letter sent through email.

Your contact information

Name Address City, State Zip Code Phone Number Email Address

Employer contact information

First paragraph

Middle paragraphs

This section should be about one to three paragraphs, discussing your various qualifications for the job. This is where you really emphasize what you could bring to the company and how you might fit into the work environment. It might be necessary to do some additional research about the company, to lend more specificity to your letter.

Final paragraph

Ending a cover letter might be a challenge, as you try to wrap up all the details about why you’re the most well-qualified employee on the planet. Let that confidence carry over into your concluding paragraph.

Sincerely/Best,

Job application letter example – printed and mailed

Robin Gomez 37 Southwest Avenue Gainesville, FL 12345 365-123-4567 [email protected] October 20, 2020 Ms. Martha Waters Hiring Manager Blue Swamp Publishing 27 Archer Street Gainesville, FL 67890 Dear Ms. Waters, My resume is attached in response to your advertisement for an editorial assistant . The job description aligns with my interest in editing short fiction, and I believe my experience and skills match what you’re looking for. This past year, I interned with the Editing, Design and Production department at Gator University Press. Over the course of two semesters, I interacted with academic texts at various stages before publication. I’m comfortable proofreading and copyediting manuscripts, as well as adding typesetting codes in Microsoft Word. I have also previously worked on the staff of Writers Student Literary Magazine in Jacksonville, FL , as the Fiction and Website Editor, as well as the head of the Proofreading Team. I played a significant role in the publication of six issues of the magazine, across a two year period (including print and online editions). My qualifications beyond this include experience in team-oriented settings and proficiency in creative and academic writing. I would love the opportunity to speak with you about how I can further contribute to Blue Swamp Publishing! Please feel free to contact me on my cell at 365-123-4567 if you have questions or to set up an interview. Sincerely, Robin Gomez

Job application letter example – emailed

Subject Line: Victoria Caruso – Public Relations Assistant Dear Ms. Janet Wang, I was excited when my colleague Rachel Smith told me that you were looking for a public relations assistant with a background in graphic design. She suggested that I reach out to you about the position, since I believe that my experience aligns well with what you are seeking at Trademark Agency. I worked alongside Rachel as a brand ambassador at a small graphic design company for three years, where I excelled in project management, strategy development, and client communication. This past spring, I played a significant role in designing the website for an up-and-coming multicultural women’s organization and publicizing their first few public events. Along with my experience and personal qualities, I prioritize: Expanding company recognition and designing unique brand details Managing media, press, and public relations issues for companies Developing company communication strategies Please see my attached resume for additional details about my career achievements. I hope to learn more about Trademark Agency’s goals for the coming year. You can contact me on my cell at 319-333-3333 or via email at [email protected]. Sincerely, Victoria Caruso 15th Avenue N Iowa City, Iowa 52240 319-333-3333 [email protected]

A cover letter normally is attached with a resume for a specific job opening, whereas a job application letter can be submitted independently. As already stated, a job application letter can also be known as a cover letter. Format wise, there are a lot of similarities.

However, a job application letter can also be more detailed than a cover a letter. Usually a cover letter acts a quick introduction to a resume when a candidate applies for a specific job opening.

Meanwhile, you can submit a job application letter to a company even if there are no job openings. In this case, you would provide more detail about yourself and your qualifications. Due to this, job application letters tend to be a little longer than the average cover letter.

Now that we’ve gone through the basic formatting for a job application letter and a few examples of what one might look like, how can we condense all that information into digestible pieces?

Refer to these lists of “dos” and “don’ts” to help you through your drafting process:

Explain what you can bring to the company. Consider: how is your experience relevant to what the hiring manager is looking for?

Discuss your skills. Pick out a few skills listed in your resume and describe how you have utilized them in the workplace.

Give specific examples to support your experience. Is there a major project you worked on at your last job ? Did you accomplish something significant in your previous position? Including examples of these things in your letter will add new, specific content to your application and make you more interesting.

Edit your letter thoroughly. Read your letter a couple times, pass it off to someone to look over, run it through an online grammar check. Make sure it’s free of any errors.

Don’t focus on what the job can do for you. While it might seem nice to write that a job is your dream job or that you’ve always wanted to work with a company, it can read as vague flattery. Remember, this letter is about your qualifications.

Don’t list your current or previous job description. Your education and work experience certainly have value, but don’t just list your degrees and places you’ve worked at. Explained what you learned from those experiences and how they’ve made you a strong employee.

Don’t paste directly from your resume. A job application letter is meant to add to your value as a candidate, not just reiterate the same information repeatedly. Use your resume as a guide , but expand on especially relevant details.

Don’t submit an unedited letter. Before an employer ever meets you, they see your application and your job application letter. You don’t want grammar errors and misspelled words to make a bad first impression, so make sure to edit your draft multiple times.

Armed with these tips, guidelines, and examples, you’ll be able to draft your job application letter more confidently and send them off to potential employers knowing that you’re one step closer to employment.

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Chris Kolmar is a co-founder of Zippia and the editor-in-chief of the Zippia career advice blog. He has hired over 50 people in his career, been hired five times, and wants to help you land your next job. His research has been featured on the New York Times, Thrillist, VOX, The Atlantic, and a host of local news. More recently, he's been quoted on USA Today, BusinessInsider, and CNBC.

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Find out how to send mail. 1:53

Video Description: How to Send a Letter or Postcard (TXT 4 KB)

How to Send a Letter or Postcard: Domestic

Sending mail with USPS is easy! Our video will help you with most letters, cards, and postcards you send domestically (inside the U.S.), including U.S. territories and military bases in the U.S. and abroad.

For how to ship a package, see How to Send a Package: Domestic .

Send Mail: Step-by-Step Instructions

Step 1: Choose Envelope or Postcard

Envelopes are for sending flat, flexible things, like letters, cards, checks, forms, and other paper goods. For just 1 $0.68 First-Class Mail ® Forever ® stamp , you can send 1 oz (about 4 sheets of regular, 8-1/2" x 11" paper in a rectangular envelope) to anywhere in the U.S.!

Envelopes must be rectangular and made of paper to qualify for letter prices. Your envelope can be a maximum of 11-1/2" long x 6-1/8" high. (A standard No. 10 envelope is 9-1/2" long x 4-1/8" high.) You can fold what you put in your envelope, but it needs to stay flat—no more than 1/4" thick.

If you want to send letter-sized papers without folding them, you can use a large envelope (called a "flat"); the postage for flats starts at $1.39 . If your large envelope is nonrectangular, rigid (can't bend), or lumpy (not uniformly thick), you'll have to pay the package price.

TIP: If your envelope can't fit through USPS mail processing machines, or is rigid, lumpy or has clasps, string, or buttons, it's "nonmachinable" and you'll have to pay $0.44 more to send it. ( See additional postage in Step 3 .) You'll also have to pay more if your envelopes are square or vertical (taller than they are wide).

Postcards are for short messages that you don't need to put in an envelope. Save money using a $0.53 postcard stamp to send a standard-sized postcard anywhere in the U.S. Standard postcards are usually made of paper, are between 5" to 6" long and 3-1/2" to 4-1/4" high, and are between 0.007" and 0.016" thick.

Step 2: Address Your Mail

Envelopes: Write your address (the "return" or "sender" address) in the top left corner. Write the delivery address (the "recipient" address) in the bottom center.

Postcards: Postcards come in different formats, so write the delivery address in the space it gives you (on the same side you write your message and put the stamp).

Print your return address and the delivery address clearly, in the correct spots, to make sure your mail is delivered on time.

Address Format Tips

• Use a pen or permanent marker.
• Do not use commas or periods.
• Include the ZIP+4 ® Code whenever possible.

Write Sender Address

Write your address (the "return address") in the top-left corner. Include the following on separate lines:

• Your full name or company name
• Apartment or suite number
• Full street address
• City, State, and ZIP+4 Code

Write Delivery Address

Write the delivery address (the "recipient" address) in the bottom center of the envelope. Include the following on separate lines:

• Recipient's full name or company name

If the apartment or suite number cannot fit on the delivery address line above the city, state, and ZIP+4 Code, place it on a separate line immediately above the delivery address line.

Write the sender's address in the top-left corner. Include the following on separate lines:

• Full street address and apartment or suite number, if applicable

Special U.S. Addresses

Puerto rico.

Some Puerto Rico addresses include an urbanization or community code for a specific area or development. Addresses with an urbanization code, abbreviated URB, should be written on 4 lines:

MS MARIA SUAREZ URB LAS GLADIOLAS 150 CALLE A SAN JUAN PR 00926-3232

More Puerto Rico Address Examples

U.S. Virgin Islands

Virgin Islands addresses have the same format as standard addresses. The right abbreviation for this territory is "VI," not "US VI" or "USA VI":

MS JOAN SMITH RR 1 BOX 6601 KINGSHILL VI 00850-9802

Military and Diplomatic Mail (APO/FPO/DPO)

Mail to military and diplomatic addresses is treated differently:

• Do not include the city or country name when you send something to an APO/FDO/DPO address in another country. This keeps your mail out of foreign mail networks.
• Do include unit and box numbers if they're assigned:

SEAMAN JOSEPH SMITH UNIT 100100 BOX 4120 FPO AP 96691

More Details on Military Addresses

When you're done addressing your envelope, put what you're sending inside the envelope, then close and seal it (using the envelope's glue or tape).

Step 3: Calculate Postage (& Add Insurance or Extra Services)

A First-Class Mail ® Forever stamp costs $0.68 and goes in the upper right corner of the envelope. (You can also use any combination of stamps that adds up to $0.68.)

If your letter is heavier or bigger, or if you want to add insurance or extra services like Certified Mail ® service, you'll pay more.

A standard postcard stamp costs $0.53 . (Large or square postcards will cost more.) Put the postcard stamp in the space provided near the delivery address.

Postage for letters mostly depends on weight and size/shape. You can weigh your letter with a kitchen scale, postal scale , at a self-service kiosk, or at the Post Office ™ counter.

TIP: As a rule of thumb, you can send 1 oz (4 sheets of printer paper and a business-sized envelope) for 1 First-Class Mail ® Forever ® stamp (currently $0.68).

The postage for a large envelope (or flat) starts at $1.39 for 1 oz.

Where Can I Buy Postage?

• The Postal Store ® Shop online for all stamps and add-on postage for oversized or heavier envelopes.
• Post Office Locations Buy stamps at Post Office locations , self-service kiosks , or at National Retailers such as grocery and drug stores.

TIP: If you're sending larger envelopes (flats) using Priority Mail ® or Priority Mail Express ® service, you can use Click-N-Ship ® service to pay for and print your own postage online.

Additional Postage

If your envelope weighs over 1 oz, you can buy additional postage in the amount you need:

• Each additional 1 oz is $0.24, for letters up to 3.5 oz and large envelopes up to 13 oz.
• Nonmachinable items, including envelopes that are lumpy or rigid, or have clasps, string, or buttons will cost $0.44 more to send. You'll also have to pay more if your envelopes are square or vertical (taller than they are wide).
• You can also buy 1¢, 2¢, 3¢, 4¢, 5¢, and 10¢ stamps at The Postal Store .

TIP: Put the stamp on last; that way, if you make a mistake at any other point, you won't waste a stamp.

Calculate a Price

Add-On Services

If you want insurance, proof of delivery, signature services, or other optional services, you'll have to pay extra.

Our Insurance & Extra Services page has more details; some of the more common add-on services for letters include:

• Certified Mail ® : Get proof that you mailed your item and that the recipient signed for it.
• Registered Mail ® : USPS's most secure mail service–mail is processed manually, handled separately and securely, and signed for along every step of its journey. The recipient must sign for the mail to confirm delivery (or attempted delivery).
• Return Receipt: You'll get a printed or emailed delivery record showing the recipient's signature. You can combine Return Receipt with other services, including Certified Mail, Registered Mail, Priority Mail Express ® service, and more.
• Adult Signature Required: Only an adult (age 21+) can sign for the mail after showing a valid government ID .

Postage Options

There are several ways to get postage for your envelope.

• The Postal Store ® --> ® and Priority Mail Express ® envelopes.
• Post Office ™ Locations --> ® such as grocery and drug stores.

Step 4: Send Your Mail

Once your envelope or postcard has the correct addresses and postage, you can send it several ways, including putting it in your mailbox or dropping it in a blue collection box or at a Post Office ™ location.

• Put your letter inside your mailbox and raise the flag (if you have one).
• If you have a cluster mailbox, drop it in the outgoing mail slot.
• Drop it off in a blue collection box.
• Take it to a Post Office lobby drop.

Important Note: If your envelope has postage stamps and weighs more than 10 oz or is thicker than 1/2", you can't put it in a collection box; you have to give it to an employee at a Post Office location. See more details on What Can and Cannot be Deposited in a Collection Box?

Bonus: Sending Mail Pro Tips

The Postal Service uses high-speed sorting machines to help process and deliver 425.3 million mail pieces each day. Here are some extra tips to improve your mail sending experience:

• Stay flexible : Don't send rigid (hard) objects in paper envelopes.
• Sending embellished invitations (for weddings, graduations, etc.)? Get them hand-canceled or put them inside another envelope.
• Need tracking? Learn about your options.

Stay Flexible

Postcards, letter envelopes, and large envelopes (flats) all need to bend to fit through USPS ® high-speed sorting machines.

• OK: Flexible, flat things like stickers, photos, trading cards, etc. should be okay—as long as your envelope stays flat, not lumpy, and less than 1/4" thick.
• Not OK: Don't put rigid objects (like flash drives, coins, keys, hard plastic card cases, etc.) loose in unpadded paper envelopes: They could get torn out of the envelope, jam the sorting machines, cause a delay, or even get lost.

Instead, for rigid and odd-shaped objects (or things you don't want to get bent), we recommend using a padded envelope or small box and sending it as a package .

Sending Embellished Invitations (for Weddings, Graduations, etc.)

If you want to send a specially decorated envelope (like some wedding invitations):

• You can pay the extra fee for nonmachinable First-Class Mail ® items, bring your mail to the Post Office™ counter, and ask the retail associate to hand-cancel your embellished invitations.
• For externally decorated invitations: If you use wax seals, strings, ribbons, etc. on your envelopes, don't try to send them exposed. Instead, to make sure your envelopes arrive looking the way your designer intended, put them inside another envelope .

Need Tracking?

Tracking is not available for First-Class Mail items. If you'd like to get tracking information for your letter:

• You can pay extra to send your letter using Priority Mail Express ® or Priority Mail ® service.
• You can get delivery confirmation by adding Certified Mail ® or Registered Mail ® service. (You can even combine it with Return Receipt if you want the recipient's signature.)

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What Is a Letter of Explanation for a Mortgage?

Why do you need a letter of explanation, how to write a letter of explanation.

• Frequently Asked Questions (FAQs)

The Bottom Line

• Buying a Home

How to Write a Letter of Explanation for a Mortgage

A letter of explanation may help you get approved for a mortgage

Wichayada Suwanachun / Getty Images

When you apply for a mortgage, the lender will review information such as your credit history, employment, income, assets, investments, and outstanding debts. But your financial statements, credit report, and tax returns don’t always tell the full story about your financial situation.

A letter of explanation helps clarify any information that might give a lender pause. Learn more about when you might need a letter of explanation for a mortgage application and how to write the letter. 

Key Takeaways

• Some mortgage lenders may request a letter of explanation if there is confusion about any details in your financial documents.
• If you’re applying for a government-backed mortgage like an FHA or VA loan, a letter of explanation may be required. 
• Even if your lender doesn’t require a letter of explanation, including one may help clarify details in your mortgage application that could otherwise lead to denial. 
• You may need to include supporting documentation to give your letter of explanation more credibility.

A letter of explanation, sometimes referred to as an LOX or LOE by mortgage underwriters, is similar to a cover letter for a job application. Just as a cover letter expands on the details in your resume, a mortgage letter of explanation further explains your financial documents. For example, you might need to explain that last year’s income wasn’t typical because you took a sabbatical, or that you missed a payment due to a healthcare emergency.  

“A letter of explanation is not a standard or defaulted requirement for a mortgage application,” said Shmuel Shayowitz, president and chief lending officer at Approved Funding, a licensed mortgage bank and direct lender. However, your mortgage lender may request one if your financial information needs clarification. If you’re applying for a government-backed loan, the agency that insures the loan may also require a letter of explanation in certain situations. 

Even if it’s not required, it can’t hurt to include a letter of explanation with your mortgage application. “The default for some processors and underwriters is to assume the worst or to err on the side of caution when something is unclear or complicated,” Shayowitz said. “Being proactive with explanation letters can go a long way in helping a loan processor and mortgage underwriter understand something that might be confusing.”

In particular, the following situations merit the inclusion of a letter of explanation. 

Erratic Income or Gaps in Employment

Most lenders look for a consistent and reliable income that ensures you can keep up with your mortgage payments. If you were unemployed or did not receive income for more than a month over the last two years, you should include a letter of explanation that details the reason you weren’t working, such as:

• Childbirth or caring for another family member
• Pursuing further education
• Being laid off
• Being self-employed or working in a seasonal industry
• Going out of business or downsizing

If you were able to make regular payments on your debts and support yourself with savings during that time, be sure to mention that in the letter.

Issues on Your Credit Report

If your credit report shows red flags, like missed payments or defaults, bankruptcies , or foreclosures , it’s essential to include a letter of explanation noting what happened and why it’s not likely to reoccur. You’ll also want to include the date of the event, the name of your creditor, and the account number associated with the delinquent debt.

No Rental or Mortgage Payment History

If you have been living with a friend or family member rather than making monthly housing payments for your own place, the homeowner you live with will need to write a letter of explanation. The homeowner should explain that they haven’t charged you rent and include the dates you lived on their property before signing the letter. 

Profits or Losses From Farming

If you filed Schedule F with your tax return because you earned or lost income from a farm property, you’re required to include a letter of explanation. Include the address of the farm and clearly state that it is not located on the property you’re buying with the mortgage. 

Large Deposits or Withdrawals

If you received a large deposit to your bank account, the lender might think you accepted a gift or a loan from a family member and wonder if your income is sufficient without additional help. A large withdrawal may also indicate to the lender that you’re having financial troubles. There are other reasons for large bank transactions, however. For example, you may have received a bonus from your employer, liquidated investments at an opportune time, or withdrawn funds for a home renovation. Include a letter of explanation that shows why the atypical transaction occurred. 

Possible Occupancy Questions

Lenders underwrite vacation homes and investment properties differently from primary residences. It’s illegal to misrepresent your occupancy intentions. If you’re applying for a primary residence mortgage for a property located far from your employer, or if you’re applying for a second home mortgage for a property in close proximity to your primary residence, the lender may think you intend to use it as a rental property. 

If you think the lender may have questions about how you intend to use the property, include a letter of explanation.  

Address Discrepancies

If any of your documents show a different address, you should include a letter of explanation with a reason for the discrepancy to assure the lender you’re not a victim of identity theft.  

“Your explanation letter should be specific, precise, and well-communicated,” said Shayowitz. Avoid general statements about your ability to manage your finances and speak to a specific issue. 

For example, if you missed a payment, explain why it happened, point to your otherwise positive payment history, and state when you brought your account back up to date. A statement like “I make every effort to stay on top of my payments” is too vague because it won’t provide the lender with the details they need to make an approval decision. 

You may need to attach supporting documentation as well. For example, if you’re buying a home far away from work, you might want to include a letter from your employer that shows your remote work arrangement. If you took out a large withdrawal to pay for landscaping in order to prep your home for sale, include a receipt from the landscaping company. If you missed a payment due to being hospitalized, include medical records. 

You’ll also want to include the following elements:

• Your name, address, and phone number
• The lender’s name, address, and phone number
• The mortgage application number
• Your explanation, which should refer to the attached documents that support it
• Your signature and the date

Example of a Letter of Explanation

Today’s Date

Example Lender Lender Address

Loan Application Number

RE: Anna Smith’s Mortgage Application

To Whom It May Concern,

I am writing to explain my gap in employment that occurred between 02/15/2023 and 04/10/2023. 

My mother was admitted to the hospital for surgery on 02/09/2023 after a fall. I applied for Family and Medical Leave on 02/10/2023 in order to care for my mother during her recovery. My employer approved FMLA-protected leave on 02/14/2023. I have attached the approval letter from my employer, which grants up to 12 weeks of leave. 

During my period of unpaid leave, I relied on sufficient reserves in my savings account as well as my husband’s income to cover my expenses. I didn’t miss any payments on my credit cards or auto loan. I returned to work on 04/11/2023. In the following months, I made several deposits into my Capital One savings account to replenish my reserves. 

Anna Smith’s Address Anna Smith’s Phone Number

How Do You Start a Letter of Explanation?

At the top of the letter, include the date, the name of the lender, the lender’s address, and your loan application number. In the next line, write “Re: (Your Name)’s Mortgage Application.” Address the letter to “To Whom It May Concern,” and note which issue you are addressing in the first sentence. 

What If Your Mortgage Letter of Explanation Is Rejected?

If your letter of explanation is rejected, you have a few options. If the information you provided wasn’t sufficient, you can write a more detailed letter and include supporting documentation. You can also try applying for a mortgage from a different lender. If you’re struggling to get approved , you may need to resolve whatever problem you’re explaining in the letter before trying again. 

How Long Should a Letter of Explanation Be?

A letter of explanation only needs to be long enough to convey the details of the issue you’re explaining. For example, if you missed a payment, you should include the date of the missed payment, the reason you missed it, and how you’ve remedied or plan to remedy the issue. A few sentences may suffice, or your letter may run longer if it’s a complex situation and you need to reference supporting documents. 

Is a Letter of Explanation Necessary?

A letter of explanation is not always necessary. If there are no red flags in your financial history, you may be approved without a letter of explanation. But if there are issues that might raise concerns, you’ll want to include a letter of explanation. You’ll also need to write a letter of explanation if the lender requests one, or if it’s required by the government agency backing the mortgage. For example, for all FHA-approved mortgages , the Department of Housing and Urban Development (HUD) requires a letter of explanation from borrowers who have collection accounts or judgments.

A letter of explanation can help your mortgage application process, especially if you have had financial issues you want to clarify. A good letter will address the specific issues and explain why they are not likely to reoccur. Consider consulting a real estate professional for more guidance in writing a letter of explanation that fits your needs.

Chase. " What Documents Are Needed to Apply for a Mortgage? " 

Citizens Bank. " How to Write a Letter of Explanation ." 

National Association of Mortgage Underwriters. " Best Practices: Letters of Explanation ." 

Ally Bank. " How to Write a Letter of Explanation ." 

Newcastle Loans. " Principal Residence, Second Home, or Investment Property? " 

Griffin Funding. " Letter of Explanation ." 

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