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Types of Cover Letters With Samples

Which Type of Cover Letter to Use

Types of cover letters, examples for job applications, inquiring about openings.

When you are job hunting, it's important to choose an appropriate cover letter so you can make the best impression. There are different types of cover letters you can use depending on the circumstances. These are the most common types: job application letters, cold contact cover letters, email cover letters, referral cover letters, letters of interest, networking, and value proposition letters.

The cover letter you use will be determined by whether you are applying directly for a job, mentioning a referral, inquiring about unadvertised openings, or simply seeking job search assistance from individuals in your professional network.

Your cover letter should be designed specifically for the reason you're writing. If it is a cover letter attached to a resume in a job application, it should be customized for each position you seek.

Be sure to choose a type of cover letter that reflects how you are applying for the job or the type of job search help you are requesting.

Hiring managers can recognize when an applicant’s cover letter is a generic one that they have used to apply for multiple positions. Such cover letters, which show a lack of care or interest in a company, could result in your resume being passed by without a glance.

Here are some of the different types of cover letters job seekers use to apply for employment:  

• Job Application Letter:  An application letter is written to apply for a specific job opening. This is a traditional cover letter that is sent with a resume to apply for a job.
• Referral Cover Letter:  A referral cover letter mentions the name of a person who has referred you to a job. This can be a great way to gain an employer’s interest, particularly if the individual providing the referral is known to the company you are interested in working for.
• Cold Contact Cover Letter: A cold contact cover letter is sent to a company that hasn't advertised openings. It's basically a sales pitch for what you have to offer a company.
• Email Cover Letter: An email cover letter is written to accompany a resume that's emailed to apply for a job.
• Letter of Interest:  A letter of interest , also known as a prospecting letter, inquires about possible job openings at a particular company.
• Networking Letter:  Networking letters request job search advice and assistance. These can be addressed to colleagues, to individuals you have met at professional conferences or other industry events, or to people to whom you connected through professional social networking sites like LinkedIn.
• Value Proposition Letter:  A value proposition is a brief statement explaining what makes the candidate unique.

As mentioned above, your cover letters should be targeted to the potential jobs you are interested in. This means that, before writing an application letter, a referral cover letter, a letter of interest, or a value proposition letter, you need to do your homework and research the company you are sending your letter to.

You can then demonstrate in your letter how your skillset and work experience would strongly contribute to the organization should they hire you.

When creating a letter of application for a job, be sure to include details about how your professional experience relates to the qualifications and requirements listed in the job posting.

Taking the time to match your cover letter to the job posting can help you get selected for an interview.

This makes it easy for the hiring manager to determine that you're a good candidate. You should also try to echo as many of the keywords listed in the job description as possible, both in your cover letter and your resume.

Some employers use automated parsing systems programmed with these keywords to glean through a wave of job applications; cover letters and resumes that incorporate these keywords are more likely to “make the cut” and earn review by a human eye than those that do not.

Here are examples for different situations:

• Cover Letter : Use this example and template as a starting point for your own cover letter.
• Job Application Letter : Includes sample for a paper application (or email attachment) and a cover letter that is sent as the body of an email.
• Cover Letter for a Career Change: Learn how to highlight skills from your previous career that will transfer to your new one.
• Applying for More Than One Job : Includes tips and a sample letter for when you're applying for multiple positions at the same company.
• Cover Letter for a Job Promotion : Use this to help you apply for an internal position with your current employer.
• Cover Letter for a Part-Time Job : Tips on how to write a cover letter for a part-time job even if one is not required.

Your dream company may not advertise a job opening, and there is a chance that they're always seeking talented individuals. Take the initiative and send a letter with your resume to let them know that you're available and interested in working for them.

• ​ Prospecting Letter : Get noticed with these tips and sample letter.
• Value Proposition Cover Letter : Learn how to add a value proposition statement to your cover letter—a statement that shows your specific value to the company and why you should be hired.
• Cold Contact Cover Letter : Includes tips and a sample for writing about unadvertised jobs.
• Sell Your Skills and Experience : These tips and sample will help when you know there is a job opening that isn't advertised or if you don't know if the company is hiring but are interested in working for them.

CareerOneStop. " How Do I Write a Cover Letter ?" Accessed Dec. 8, 2020.

60+ Cover Letter Examples in 2024 [For All Professions]

No matter where you are in your career, or what job you’re applying for, submitting a cover letter with your resume is a must . 

Done right, a cover letter will effectively complement your resume and explain to the hiring manager in more detail why you’re the right person for the job.

Writing a cover letter, however, is easier said than done. 

You have to effectively demonstrate that you’ll be able to perform the responsibilities listed in the job description and that you’d be a better fit for the company compared to other candidates. 

And unless you’re a professional writer, this can be a very hard task.

Fortunately, we created these cover letter examples to inspire you and help you get started with your own cover letter!

Let’s dive in!

21 Cover Letter Examples 

#1. career change cover letter example .

Here’s what this cover letter does right:

• Has an ideal length. This cover letter includes all the relevant information for the hiring manager without getting into too much detail.
• Relevant introduction. The candidate explains that they’re changing careers and why they want to work in this new field from the get-go.
• Explains their related experience. The candidate explains how their previous experience in retail sales can help them succeed in PR.

Check out our guide video guide to learn how to write a Cover Letter that gets you HIRED!

#2. Recent Graduate Cover Letter Example 

• Personally greets the hiring manager. The candidate has taken the time to find the hiring manager’s name and address them by it, which makes the opening of the cover letter much more personal.
• Wraps up with a call to action. The candidate wraps up the cover letter by suggesting a meeting with the hiring manager, which makes them more memorable.
• Explains why the candidate is the right person for the internship. In this cover letter for an internship , the candidate explains how they’ve previously interned in a different firm, which gives them the experience to succeed in this role.

Have you just graduated from college? Make sure to check out our guide on writing an entry-level cover letter from start to finish! 

#3. Middle Management Cover Letter Example

• Use of bullet points. The candidate presents the information in a concise and reader-friendly way, making it easy for the hiring manager to find their key achievements. 
• Formal closing. The candidate has used a formal and polite tone to conclude their cover letter, which combined with a call to action makes them look professional and passionate about getting the job. 
• Explains how the company would benefit from hiring them. The candidate outlines exactly what they could do for the company, which not only highlights their skills but also shows they’ve done their research on the company’s needs. 

#4. Business Manager Cover Letter Example

• Detailed header. In addition to the must-have contact details, this candidate has also included their professional Twitter and LinkedIn profiles, making it easy for the hiring manager to look more closely into their career. 
• Concise and to the point. This candidate has used short paragraphs and bullet points to make the cover letter easy to skim through. 
• Wraps up with a call to action. By letting the hiring manager know they’ll be contacting them soon, they’re more likely to make an impression.

Check out this article for a complete writing guide and an inspiring business manager resume sample. 

#5. Ph.D. Cover Letter Example

Here’s what this cover letter does right: 

• Attention-grabbing introduction. In the opening paragraph, this candidate explains why they’re passionate about pursuing a Ph.D. in great detail. 
• Explains the candidate’s qualifications in detail. The candidate builds on their passion by explaining how they’re also qualified for the degree because of their education history and academic achievements. 

#6. Senior Executive Cover Letter Example

• Professional and minimalistic template. This senior executive has used a professional but minimalistic template that lets their work experience do the talking. 
• Achievement-oriented opening paragraph. Right from the get-go, this candidate explains what makes them so good at their job, effectively grabbing the hiring manager’s attention.  
• Wraps up with a call to action. By suggesting to have a meeting and discussing how they can help the company meet its goals, the candidate stands more chance to make a positive lasting impression. 

#7. Architect Cover Letter Example 

• Modern resume template. This architect has picked a template that perfectly matches his industry, as it is professional and modern at the same time. 
• A personal greeting to the HR. They address the hiring manager by their first name, which helps make a better first impression. 
• Measurable achievements. By quantifying their achievements, the candidate proves their achievements instead of just claiming them.

Struggling with your architect resume ? Check out our full guide!

#8. Business Analyst Cover Letter Example 

• Detailed contact information. The candidate has listed both their LinkedIn and Twitter profiles, providing the HR manager an opportunity to learn more about the candidate.  
• Mentions what the candidate can do for the company. This cover letter doesn’t just explain why the job would be great for the candidate, but also how the candidate would benefit the company. Win-win, right? 
• Error-free and reader-friendly. It’s super important for the cover letter to have no spelling or grammatical errors and be reader-friendly. This candidate made sure they did both.

Need a resume alongside your cover letter? Check out our guide on how to write a business analyst resume . 

#9. Consultant Cover Letter Example 

• Professional cover letter template. Being an experienced consultant, this candidate has picked a professional template that doesn’t steal the spotlight from their achievements. 
• Experience and achievement-oriented. The candidate has effectively elaborated on their top achievements relevant to the job. 
• Highlights the candidate’s passion. To show they want the job, this candidate has also explained how passionate they are about their profession.

For more advice on landing a job as a consultant, check out our guide to writing a consultant resume .

#10. Digital Marketing Cover Letter Example

• Creative cover letter template. This digital marketer highlights their originality by picking a creative cover letter template. 
• Lists the candidate’s awards. The candidate has taken advantage of the cover letter to list their most noteworthy awards in the industry. 
• Concludes with a call to action. As they used a call to action to conclude their cover letter, the HR manager will be more likely to remember them.

Want to take your digital marketing resume to the next level? Check out our guide!

#11. Graphic Designer Cover Letter Example 

• Detailed contact information. The candidate has included additional contact information such as their website link, as well as their LinkedIn and Twitter profiles.  
• Ideal length. This cover letter is concise, which means that the HR manager is more likely to read it from start to finish.  
• Draws attention to the candidate’s strong points. Although this candidate is a recent college graduate, they’ve managed to effectively show that they have enough knowledge and experience to do the job right.

Read this guide to write a graphic designer resume that’s just as good as your cover letter!

#12. Administrative Assistant Cover Letter Example

• Minimalistic cover letter template. The candidate picked a well-designed but minimalistic template for their cover letter. 
• Focused on skills and achievements. This cover letter is packed with the candidate’s skills and achievements, proving he can be an excellent employee. 
• Formal closing. Politeness can go a long way and the candidate has used this to their advantage to make an impression. 

Our article on how to write an administrative assistant resume can help you take your job application to the next level.

#13. Front Desk Cover Letter Example

• Modern cover letter template. This template incorporates memorable colors and clear lines, which make the cover letter very visually appealing. 
• Attention-grabbing introduction. Using an attention-grabbing intro, the candidate is more likely to make an impression. 
• Calls the HR to action. By including a call to action, the candidate is reminding the HR of their immediate availability. 

#14. Human Resources Cover Letter Example

• It is concise and to the point. The candidate doesn’t dwell on unimportant details the HR won’t be interested in. 
• Uses a traditional cover letter template. The cover letter design is more on the conventional side, which fits the industry better. 
• Highlights the candidate’s strong points. The candidate has rich work experience and they use the cover letter to elaborate on it. 

This HR resume guide can help you get your resume just right.

#15. Sales Agent Cover Letter Example 

• Attention-grabbing cover letter template. As a salesperson, this candidate knows how important first impressions are, so they’ve picked a catchy cover letter template. 
• Has an ideal length. At the same time, they’ve also made sure to keep their cover letter at just the right length. 
• Lists the candidate’s career highlights. The candidate has made perfect use of the space by mentioning their most impressive professional achievements. 

Check out this sales agent resume guide to create an attention-grabbing sales resume .

#16. Receptionist Cover Letter Example

• Modern but minimalistic cover letter template. The template’s design hints the candidate is creative but professional at the same time. 
• Uses a catchy introduction. The candidate has used an attention-grabbing opening paragraph to catch HR’s attention. 
• Concludes the cover letter formally. The candidate proves that they’re polite and well-spoken, a quality very much important for the role they’re applying for. 

Take your receptionist resume to the next level with this receptionist resume guide .

#17. Information Technology Cover Letter Example

• Mentions measurable achievements. Numbers make an impact, which is why this candidate has included measurable achievements. 
• Lists both soft and hard skills. The candidate has mentioned a great mix of soft and hard skills, showing how well-rounded they are. 
• Contains relevant contact information. The candidate’s GitHub, website name, LinkedIn, and Twitter profiles are all great additions to the resume. 

Looking for tips to help you write a great IT resume ? Check out our guide!

#18. Real Estate Cover Letter Example

• Ideal length. Short and to the point, this cover letter is bound to get noticed by the HR manager. 
• Wraps up with a call to action. This candidate reinforces the HR to call them back through a final call to action. 
• Mentions the right skills. On top of their sales accomplishments, the candidate touch upon important soft skills such as customer service and communication . 

This real estate resume guide will help you take your resume from good to great.

#19. Teacher Cover Letter Example

• Mentions relevant contact information details. This candidate has included optional (but relevant) contact information details, such as their LinkedIn, Quora, and Medium profiles. 
• Achievement-oriented. The candidate has elaborated on their achievements in more detail throughout their cover letter. 
• Highlights the candidate’s passion. For some jobs, being passionate is much more important than for others. Teaching is one of these jobs, which is why this candidate explains their passion for the job. 

Our guide on how to write a teacher resume has all the tips you need to land the job.

#20. Project Manager Cover Letter Example

• Leverages a catchy introduction. Through a catchy introductory paragraph, this candidate is sure to grab the HR’s attention and get them to read the rest of their cover letter.
• Lists measurable accomplishments. This candidate explains exactly what they’ve achieved using numbers and hard data. 
• Personally greets the HR. A personal greeting sounds much better than “Dear Sir/Madam,” and the candidate knows this. 

This guide on how to write a project manager resume can help you perfect your appication.

#21. Paralegal Cover Letter Example

• Minimalistic cover letter template. This cover letter design looks good but doesn’t steal the show from the candidate’s abilities.
• Mentions the candidate’s academic achievements and extracurricular activities. Although the candidate is a recent graduate, they’ve used the cover letter to explain they have enough skills and achievements to do the job.
• Lists measurable achievements. The candidate proves they did well in their internship by mentioning quantifiable achievements.

Check out this paralegal resume guide to perfect yours.

40+ More Cover Letter Examples and Guides 

Couldn’t find a cover letter example for your field? Do not worry.

Below you can find a number of other cover letter examples for different fields and industries:

• Acting Cover Letter Examples
• Accounting Cover Letter Examples
• Administrative Assistant Cover Letter Examples
• Architecture Cover Letter Examples
• Attorney Cover Letter Examples
• Barista Cover Letter Examples
• Bartender Cover Letter Examples
• Business Cover Letter Examples
• Business Analyst Cover Letter Examples
• College Student Cover Letter Examples
• Computer Science Cover Letter Examples
• Construction Cover Letter Examples
• Consultant Cover Letter Examples
• Customer Service Cover Letter Examples
• Data Analyst Cover Letter Examples
• Data Entry Cover Letter Examples
• Dental Assistant Cover Letter Examples
• Digital Marketing Cover Letter Examples
• Elementary Teacher Cover Letter Examples
• Engineering Cover Letter Examples
• Executive Assistant Cover Letter Examples
• Finance Cover Letter Examples
• Graphic Design Cover Letter Examples
• Healthcare Cover Letter Examples
• Human Resources Cover Letter Examples
• IT Cover Letter Examples
• Law Cover Letter Examples
• Management Cover Letter Examples
• Marketing Cover Letter Examples
• Mechanical Engineering Cover Letter Examples
• Medical Assistant Cover Letter Examples
• Nurse Practitioner Cover Letter Examples
• Physician Cover Letter Examples
• Project Manager Cover Letter Examples
• Receptionist Cover Letter Examples
• Retail Cover Letter Examples
• Sales Cover Letter Examples
• Social Work Cover Letter Examples
• Software Engineer Cover Letter Examples
• Substitute Teacher Cover Letter Examples
• Teacher Assistant Cover Letter Examples
• Team Leader Cover Letter Example

What is a Cover Letter? 

A cover letter is a one-page document that you submit as part of your job application, alongside your resume . 

Its purpose is to introduce you and briefly summarize your professional background. On average, your cover letter should be from 250 to 400 words long .

A good cover letter can give the hiring manager more insight into what makes you a good candidate and help them make up their mind about whether they should invite you for an interview. A bad cover letter, though, will get ignored (at best) and lose you the job (at worst).

So, to make sure this doesn’t happen, it’s essential to know how to write a convincing cover letter.

The first thing to remember is that a cover letter is a supplement to your resume, not a replacement. Meaning, you shouldn’t just repeat whatever is mentioned in your resume and call it a day. 

Optimally, you should use your cover letter to shed more light on your skills and qualifications, as well as explain anything you didn’t have space for in your resume (e.g. a career gap or why you’re changing careers).

If you’re writing a cover letter for the first time, though, putting all this together might seem pretty tough. 

Fortunately, you can follow our tried-and-tested format to make the experience much easier:

• Header - Input your contact information.
• Greeting the hiring manager - Open the cover letter with a “Dear Sir or Madam,” or use the hiring manager’s name if you know what that is.
• Opening paragraph - Grab the hiring manager’s attention by getting straight to the point. Mention what your professional experiences are, and what role you’re applying for.
• The second paragraph - Explain why you’re the perfect candidate for the job. Mention your top 2-3 achievements, your top skills, why you want to work in that specific industry, and whatever else is relevant.
• The third paragraph - End your cover letter with a call to action. E.g. “I would love to meet personally and discuss how I can help Company X.”
• Formal closing - Something like this: “Thank you for your consideration. Best, John Doe.”

Here’s what this looks like in practice:

9 Tips to Write a Cover Letter (the Right Way)

Now that we've covered the basics, let's talk about cover letter tips . Below, we'll give you all the knowledge you need to take your cover letter from "OK" to "great."

#1. Pick the right template

A good cover letter is all about leaving the right first impression.

And what’s a better way to leave a good impression than through a professional, well-formatted, and visual template?

You can simply pick one of our tried-and-tested cover letter templates and you’ll be all set!

#2. Add your contact details on the header

The best way to start your cover letter is through a header. 

Here’s what you want to include there:

• Phone Number
• Name of the hiring manager / their professional title
• Name of the company you’re applying to

Optionally, you can also include the following:

• Social Media Profiles - Any type of profile that’s relevant to your field. Social Profiles on websites like LinkedIn, GitHub (for developers), Medium (for writers), etc.
• Personal Website - If you have a personal website that somehow adds value to your application, you can mention it. Let’s say you’re a professional writer. In that case, you’d want to link to your content portfolio site or blog.

#3. Greet the hiring manager the right way

Once you’ve listed all your relevant contact information, it’s time to address the hiring manager reading your cover letter. 

A good practice here is to find the hiring manager’s name and address them directly instead of using the traditional “dear sir or madam.” This shows that you’re really invested in the company and that you took your time to do some research about the job.

So, how can you find out the hiring manager’s name?

One way to do this is by looking up the head of the company’s relevant department on LinkedIn. Let’s say you’re applying for the position of Communication Specialist at Novoresume. The hiring manager is probably the Head of Communications or the Chief Communications Office.

Or let’s say you’re applying for the position of server at a restaurant. In that case, you’d be looking to find out who the restaurant manager is.

If this doesn’t work, you can also check out the “Team” page on the company website; there’s a good chance you’ll at least find the right person there.

If you still can’t find out the hiring manager’s name, here are several other greetings you can use:

• Dear [Department] Hiring Manager
• Dear Hiring Manager
• To whom it may concern
• Dear [Department] Team

#4. Create an attention-grabbing introduction

Recruiters get hundreds, sometimes even thousands, of applications. Chances are, they’re not going to be reading every single cover letter end-to-end.

So, it’s essential to catch their attention from the very first paragraph.

The problem with most cover letter opening paragraphs, though, is that they’re usually extremely generic, often looking something like this: 

Hey, my name is Jonathan and I’d like to work as a Sales Manager at XYZ Inc. I’ve worked as a sales manager at MadeUpCompany Inc. for 5+ years, so I believe that I’d be a good fit for the position.

As you can probably tell, this opening paragraph doesn’t tell the hiring manager anything other than that you’ve worked the job before - and that’s not really helpful in setting you apart from other candidates. 

What you want to do, instead, is start off with 2-3 of your top achievements to really grab the reader’s attention. Preferably, the achievements should be as relevant as possible to the position. 

For example:

My name’s Michael and I’d like to help XYZ Inc. hit and exceed its sales goals as a Sales Manager. I’ve worked with Company X, a fin-tech company, for 3+ years. As a Sales Representative, I generated an average of $30,000+ in sales per month (beating the KPIs by around 40%). I believe that my previous industry experience, as well as my excellence in sales, makes me the right candidate for the role of X at Company Y.

The second example shows how the candidate is a top performer. The first just shows that they’ve worked a sales job before.

Which one are YOU more likely to invite for an interview?

#5. Show you’re the perfect person for the job

One great thing about cover letters is that they allow you to expand more on the top achievements from your resume and really show the hiring manager that you’re the right person for the job. 

A good way to do that is to first read the job ad and really understand what skills/experiences are required, and then to ensure that your cover letter touches upon the said skills or experiences.

In my previous role as a Facebook Marketing Expert at XYZ Inc. I handled customer acquisition through ads, managing a monthly Facebook ad budget of $20,000+. As the sole digital marketer at the company, I managed the ad creation and management process end-to-end. This means I created the ad copy and images, as well as picked the targeting, ran optimization trials, and so on.

Other than Facebook advertising, I’ve also delved into other online PPC channels, including:

• Google Search

#6. Explain why you’re a great company fit

The HR manager doesn’t only look at whether you’ll be good at the job or not. They’re looking for someone that’s also a good fit for the company culture.

After all, employees that don’t fit in are bound to quit, sooner or later. This ends up costing the company a ton of money, up to 50% of the employee’s annual salary . 

To convince the hiring manager that you’re a great company fit, do some research on the company and find out what it is you like about them, or about working there. You want to know things like:

• What’s the company’s business model?
• What’s the company's product or service? Have you used it?
• What’s the culture like? Will someone micro-manage your work, or will you have autonomy on how you get things done?

Then, turn your top reasons for liking to work there into text and add them to your cover letter! 

#7. Wrap up with a call to action

To make the end of your cover letter as memorable as possible, you want to:

• Wrap up any points you couldn't in the previous paragraphs. Mention anything you’ve left out that you think could help the hiring manager make up your mind.
• Thank the hiring manager for their time. After all, it never hurts to be polite. 
• Finish the cover letter with a call to action. A call to action is a great way to make your cover letter ending as memorable as possible. 

#8. Write a formal closing

Once you’re done with the final paragraph, all you have to do is write down a formal “goodbye” and you’re good to go.

Feel free to use one of the most popular conclusions in a cover letter:

• Best Regards,
• Kind Regards,

#9. Proofread your cover letter

Last but not least, make sure to always proofread each and every document that you’ll be including in your job application - cover letter included. 

The last thing you want is to be claiming you’re a great candidate for the job with a cover letter full of typos! 

For an even more comprehensive guide on how to write an impactful cover letter , check out our article ! 

Cover Letter Writing Checklist 

Frequently Asked Questions

Do you still have some questions about cover letters? Check out the answers below:

1. How do I write a simple cover letter? 

To write a cover letter that’s simple but also professional, make sure to include a header with your personal information, a formal greeting to the hiring manager, an attention-grabbing opening paragraph, a second paragraph explaining why you’re a good candidate for the job, and a formal closing (preferably with a call to action). 

2. What are the 3 parts of a cover letter? 

The three parts of a cover letter are: 

• The introduction , namely the header, the greeting to the hiring manager, and the opening paragraph. 
• The sales pitch is usually the body of the cover letter. 
• The conclusion involves a formal closing and a signature line.

3. What makes a great cover letter?

A great cover letter should be personalized for each job you’re applying for, instead of being overly generic. It’s also preferable to address the hiring manager by their name and not use the overly-used “Dear Sir/Madam.”

To make a great first impression, you should mention 1-2 of your top achievements in your opening paragraph - the more job-specific they are, the better. Also, don’t stop at showing the hiring manager why you’re a great candidate for the job. Make sure to also talk about how you’re a good culture fit for the company.

Last but not least, wrap up your closing paragraph with a call to action to give the hiring manager a little extra something to remember you by. 

4. When is a cover letter necessary?

Unless the job ad specifically states otherwise, you should always include a cover letter with your job application .

Even if the hiring manager doesn’t read it, you will look more professional simply by including one.

And that’s a wrap! We hope our cover letter examples and writing tips will inspire you to write a cover letter that will land you your next job.

If you’re looking for more invaluable career advice and articles, make sure to check out our career blog , or any of these related articles: 

• How to Write a Resume
• Cover Letter Mistakes to Avoid at All Costs
• Cover Letter Format (w/ Examples & Free Templates)

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Application Letter: Definition, Types and How to write it

We are all familiar with writing the application of leave of absence at least once in our lives. If you can’t relate, there are countless other times application letters are written. It can be for a job, asking for permission to host a football competition on the school grounds, asking for a transfer certificate after your dad gets posted somewhere else, etc. Here, I will tell you how you will write a general application letter.

What is an Application Letter?

If you’ve been following, the letter you write when you request for something, ask permission for something or apply for something, is an application letter. It is usually a one-page letter. It can be written for domestic or professional purposes. It can also accompany documents sometimes, like job application letters. So to say, application letters encompass more than cover letters; they can be an inquiry and a request letter too.

Types of Application Letters:

Following this thread, application letters can be classified into 3 broad groups . They include:

• Job Application Letter ( sample )
• Academic Application Letter ( sample )
• Personal Application Letter

Examples of job application letters include:

See cover letters

Examples of academic application letters include:

• Application letter seeking permission
• Scholarship application letter
• Application for leave of absence/in advance
• Application for a seat in the hostel
• Application for a testimonial, etc.

Examples of personal application letters include:

• Loan application letter
• Rental application letter
• Application letter for a deduction of fine
• Application withdrawal letter
• Internship application letter
• Transfer application letter
• Application letter for a travel grant, etc.

Note that these personal letters can be written person-to-person or person-to-business.

Steps on How to Write An Application Letter:

Like any other basic letter writing, the application letter starts with planning. Plan on the content, enquire about the recipient, think through about the details to include, keep things simple and short, and et voilà!

Let’s break things down.

Suppose you are writing an application to your college professor for the retake of your Microeconomics exam. Here’s how you draft your piece:

• Start with the date.
• Include the name of the professor, his post, department, and name of the university. Your professor can be an external or internal faculty. If he is an external faculty, mention this and the name of your university. If not, you still should include it to make things more precise. Add his contact information.
• Follow this up with the date. Proceed to the subject line, here, application for the retake on an exam is the subject.
• In the first paragraph, introduce yourself. Mention your name, batch, and program, followed by the course name. Now state why you are writing, which is to apply for the retake of your Microeconomics exam.
• Next paragraph should mention the reasons for you to skip the exam. Make sure they are valid grounds. If you had been sick, attach prescriptions or documents from the appointment. If you had been away for personal issues, give brief details of the event.
• In the closing paragraph, ask him/her to excuse you on these grounds and to retake your exam and say how it will be beneficial to you.
• Close with your details. Don’t forget to add your contact information like the mailing ID here.

Tips to Remember:

• Take care of the readability and white space in your letter.
• Make sure your pints connect with each other. Don’t include irrelevant information since an application is to be concise by format.
• Take care of grammatical and spelling errors.
• Be sure of the dates you are writing in the letter.

Related Contents

• Appreciation Letter: Definition, Types, and How To Write it
• Proposal Letter : Definition and how to write it

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Letter Writing – Explore What is, Different Types with Examples

Letter writing is a timeless form of communication that has evolved but remains an essential skill for personal, professional, and formal exchanges. Let’s explore what letter writing is, the different types of letters, and provide examples for each.

What is Letter Writing?

Letter writing involves the creation of messages sent to a recipient via written words. Letters can serve various purposes, from personal communication to formal business exchanges. They are structured to convey clear messages and often follow specific formats depending on their purpose.

However, there are certain parts of the letter which remain the same. They include:

• Sender’s address
• Greeting or Salutation
• Body of the Letter

Sender’s Address:

• Personal Letter: Only includes the sender’s address.
• Business/Formal Letter: Includes the sender’s address, date, and sometimes the recipient’s address.

The date is written just below the sender’s address, and It lets the recipient know when exactly the letter was written. The date may be written in any of the following ways:

8th July 202 3

July 8, 2023

Salutation:

The greeting varies based on formality:

• Business/Formal Letter: “Dear Mr. Smith,” or “Dear Dr. Johnson,”
• If the recipient’s name is unknown: “Dear Sir/Madam,” or “To Whom It May Concern,”
• Personal Letter: “Dear Jane,” or “Hi Mike,”

The body is the main content of the letter, where the purpose of the letter is conveyed. It is divided into paragraphs, each focusing on a specific point.

Example: I hope this letter finds you well. I am writing to inform you about our new product launch scheduled for next month. (Formal/Business)

The closing is a polite way to end the letter. The choice of closing depends on the level of formality:

• Business/Formal Letter: “Sincerely,” “Yours sincerely,” “Best regards,”
• Personal Letter: “Best,” “Cheers,” “Take care,”
• Typed Name: Used in both personal and business letters.
• Handwritten Signature: Added in formal and business letters above the typed name.

Summary Example

Formal/Business Letter:

Informal/Personal Letter:

Types of letters, personal letters, business letters, formal letters, informal letters, thank-you letters, apology letters, invitation letters, complaint letters, cover letters, resignation letters.

Personal letters are written to friends, family, or acquaintances to share news, feelings, or updates.

Business letters are used for professional communication, often between companies or between a company and its clients.

Formal letters follow a strict format and are used for official matters, such as job applications, complaints, or legal correspondences.

Informal letters are casual and friendly, often written to people we know well, like friends and family.

Thank-you letters express gratitude for something someone has done, like a gift or a favor.

Apology letters are written to express regret over a mistake or a wrong done to someone.

Invitation letters invite someone to an event or occasion.

Complaint letters address issues or grievances and seek resolution.

Cover letters accompany a resume when applying for a job, providing additional context about the applicant’s qualifications and interest.

Resignation letters inform an employer of the intention to leave a job, providing notice and details of the departure.

Letter writing encompasses various formats and purposes, each serving a unique role in communication. Understanding these types and their appropriate contexts ensures effective and meaningful exchanges.

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Letter Format

Letter format generator.

When people in the past wanted to communicate with one another over great distances, they often used letters as their method of correspondence. Even now, people still use letters as a way to communicate with one another.

What is Letter Format?

A letter format refers to the structured way in which a letter is organized and presented. It includes specific components and their arrangement on the page, ensuring clarity, professionalism, and ease of reading.

Format of letter

The format of a letter is a critical aspect of written communication, serving as a framework that organizes content in a clear, readable, and professional manner. It encompasses various components such as the sender’s and recipient’s addresses, date, salutation, body, closing, and signature.

Sender’s Address: The address of the person or organization sending the letter. Date: The date when the letter was written. Recipient’s Address: The address of the person or organization receiving the letter.

2. Salutation

A polite greeting that addresses the recipient. In formal letters, it typically includes a title and the recipient’s last name, e.g., “Dear Mr. Smith,”.

The main content of the letter, organized into paragraphs. It starts with an introduction, followed by the letter’s purpose, and ends with a conclusion or call to action.

A polite closing before the sender’s signature, e.g., “Sincerely,” “Best regards,”.

5. Signature

The sender’s signature, followed by their printed name. In a business letter, the sender’s title and contact information may also be included.

6. Enclosures and CC

If documents are attached to the letter, “Enclosures” is noted, followed by a list of the documents. If the letter is copied to another recipient, “CC” (carbon copy) is used, followed by the name of the other recipient.

Additional Elements (for formal or business letters):

Subject Line: A brief summary of the letter’s purpose. Reference Line: If applicable, includes codes, case numbers, or invoice numbers related to the letter’s content.

Types of Letter Format

In letter writing , various formats are employed to suit different purposes and audiences. These formats dictate the structure, tone, and style of the correspondence, ensuring the message is conveyed effectively and appropriately. From formal business communications to casual notes among friends, understanding the types of letter formats is crucial for effective written communication.

1. Block Format

• Description: The most commonly used business letter format. All elements are aligned to the left margin, and paragraphs are not indented but separated by a double space.
• Use: Professional communications, including business inquiries, job applications, and formal requests.

2. Modified Block Format

• Description: Similar to the block format, but the sender’s address, date, closing, and signature start at the center point of the page rather than the left margin. The body of the letter aligns to the left.
• Use: Formal and semi-formal business letters where a slightly traditional appearance is desired.

3. Semi-Block Format

• Description: Like the modified block format, but paragraphs in the body of the letter are indented. This format is less common in modern business communications.
• Use: Business letters with a more traditional tone, where indented paragraphs are preferred for a structured look.

4. Full Block Format

• Description: Every part of the letter (sender’s address, date, recipient’s address, salutation, body, closing, and signature) starts at the left margin. Paragraphs are not indented but are separated by a blank line.
• Use: Official communications where a clean and formal structure is important.

5. Indented Format

• Description: A traditional format where the first line of each paragraph is indented. Dates and closing are usually aligned to the right.
• Use: Personal letters or when a more traditional, old-school approach is desired.

6. Simplified Format

• Description: Omits the salutation and closing, focusing instead on a subject line. All elements are left-aligned, and paragraphs are separated by a blank line.
• Use: Internal memos or business communications where formality is less of a concern.

7. Hanging Indent Format

• Description: The first line of each paragraph starts at the left margin, and the subsequent lines are indented. It’s more commonly used in bibliographies than in letters.
• Use: Specific documents or letters where referencing and citation are crucial, though rare in general correspondence.

Tips for Writng Letter

• Know Your Purpose: Clearly understand and state the purpose of your letter right from the beginning.
• Consider Your Audience: Tailor the tone and language of your letter based on who will be reading it.
• Follow the Correct Format: Use the standard letter format, including proper salutation, body, closing, and signature.
• Be Concise and Specific: Keep your message clear and to the point, avoiding unnecessary details.
• Start and End Strong: Begin with a clear statement of your main point and end with a polite closing.
• Proofread and Edit: Check for spelling, grammar, and punctuation errors, and ensure your message is clear.
• Personalize Your Letter: When appropriate, add a personal touch to make your letter more engaging.
• Use Quality Paper for Physical Letters: For formal letters, the quality of the paper can make a good impression.
• Include Contact Information: Ensure the recipient knows how to contact you for follow-up.
• Consider the Mode of Delivery: Choose the most appropriate method to send your letter, whether by email or post.

Types Of Letters with Samples

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1. Formal Letters

Purpose: Used for professional or official communication. Examples: Job applications, business proposals, official complaints, formal invitations, and resignation letters. Sample:

Jane Doe 123 Main Street City, State, ZIP Email: [email protected] Phone: (123) 456-7890 March 21, 2024 Mr. John Smith Manager ABC Corporation 456 Corporate Blvd. Industry City, State, ZIP Dear Mr. Smith: Subject: Application for Marketing Coordinator Position I am writing to express my interest in the Marketing Coordinator position listed on ABC Corporation’s careers page. With a Bachelor’s degree in Marketing and three years of experience in a dynamic marketing agency, I am confident in my ability to contribute effectively to your team. In my current role at XYZ Marketing Agency, I have successfully managed multiple high-profile projects from conception through to execution, demonstrating my ability to meet strict deadlines and budget requirements. My expertise in social media strategy and content creation, coupled with my strong analytical skills, have significantly increased engagement rates for our clients. I am particularly drawn to ABC Corporation’s commitment to innovation and excellence in the marketing field, and I am eager to bring my background in digital marketing and project management to your esteemed company. I would be thrilled to have the opportunity to further discuss how I can contribute to the ABC Corporation team. Please find my resume attached for your consideration. Thank you for taking the time to consider my application. I look forward to the opportunity to discuss my application in further detail. Sincerely, [Signature] Jane Doe

Enclosures: Resume

2. Informal Letters

Purpose: Personal communication among friends, family, or acquaintances. Examples: Catching up, sharing news, invitations for personal gatherings, or thank-you notes. Sample:

Jessica Park 789 Country Lane Smalltown, State, ZIP March 21, 2024 Dear Emily, I hope this letter finds you well. It feels like ages since we last caught up, and I miss our long conversations and laughter. Life here in Smalltown has been the usual mix of calm and chaotic, but there’s always something comforting about the familiar, isn’t there? I wanted to share some exciting news with you—I’ve finally started the pottery class I was talking about! It’s been an incredible experience so far, getting my hands dirty and actually creating something tangible. There’s a piece I’m working on that I think you’d love; it’s a mug with hand-carved designs inspired by our trip to the mountains last year. How have things been on your end? How is the new job treating you? I remember you were a bit anxious about starting, but I have no doubt you’re doing amazingly. You always had a knack for adapting and excelling in whatever you set your mind to. Let’s not let too much time pass before we see each other again. How about planning a weekend getaway next month? I’d love to hear your thoughts and catch up on everything in person. Please give my best to Mark and the kids. I can’t believe how fast they’re growing! Looking forward to hearing from you soon. Take care and write back when you can. Warmest regards, Jessica P.S. I’ve included a photo of the pottery piece I mentioned. Can’t wait to hear what you think!

3. Business Letters

Purpose: Professional communication related to business transactions. Examples: Letters of agreement, sales letters, order confirmations, and customer service correspondence. Sample:

Alex Johnson Marketing Director Bright Solutions 123 Business Rd. Commerce City, ST 01234 Email: [email protected] Phone: (555) 678-9012 March 21, 2024 Taylor Lee Procurement Manager Innovative Tech Supplies 456 Industry Park Tech City, ST 98765 Dear Taylor Lee, Re: Inquiry About Bulk Order Discounts I hope this letter finds you well. I am writing to inquire about potential discounts for bulk orders of computer components, as listed on your website. Given our expanding operations, we are exploring cost-effective options for our tech supply needs. We are particularly interested in processors, motherboards, and memory units. Could you provide details on pricing, minimum order quantities, and delivery timelines for such orders? Thank you for considering our inquiry. We are looking forward to building a mutually beneficial business relationship with Innovative Tech Supplies. Sincerely, Alex Johnson Marketing Director Bright Solutions

4. Cover Letters

Purpose: Accompanies a resume as part of a job application, highlighting a candidate’s qualifications. Examples: Job application letters, internship application letters. Sample:

Jordan Smith 123 Oak Lane City, State, ZIP [email protected] (123) 456-7890 March 21, 2024 Hiring Manager XYZ Corporation 456 Business Ave. City, State, ZIP Dear Hiring Manager, I am writing to express my interest in the Graphic Designer position at XYZ Corporation, as advertised on your company website. With over five years of professional experience in graphic design and a strong portfolio of successful projects, I am confident in my ability to contribute effectively to your team. At my current position with ABC Creative, I have developed and executed design concepts for a range of digital and print marketing materials, consistently meeting tight deadlines and client expectations. My expertise in Adobe Creative Suite, along with my creativity and attention to detail, has resulted in impactful designs that have significantly increased client engagement. I am particularly drawn to XYZ Corporation’s innovative approach to digital marketing and would be thrilled to bring my skills in graphic design and visual communication to your esteemed team. I am eager to contribute to your projects and help achieve the company’s creative and business goals. Thank you for considering my application. I look forward to the opportunity to discuss how my background, skills, and enthusiasms align with the needs of XYZ Corporation. Please find my resume and portfolio attached for your review. Sincerely, Jordan Smith

5. Recommendation Letters

Purpose: Recommends an individual for a specific job, position, or academic program. Examples: Professional recommendation letters, academic reference letters, character reference letters. Sample:

Dr. Lisa Monroe Professor of Computer Science University of Tech City 123 Academic Lane Tech City, ST 45678 [email protected] (555) 123-4567 March 21, 2024 Admissions Committee Graduate School of Advanced Technology 456 Education Blvd. Innovation City, ST 98765 Dear Admissions Committee, I am writing to wholeheartedly recommend Michael Chen for admission to your Master’s program in Computer Science. As Michael’s professor in several advanced programming courses at the University of Tech City, I have been consistently impressed with his analytical skills, dedication to learning, and ability to tackle complex problems. Michael has demonstrated exceptional prowess in both theoretical and practical aspects of computer science. His project on machine learning algorithms was not only innovative but also showcased his skill in applying complex concepts to solve real-world problems. Michael is not just a brilliant student; he is also a team player who contributes significantly to group projects and willingly assists his peers. I am confident that Michael will excel in your program and make substantial contributions to your academic community. His passion for computer science, combined with his proven abilities, makes him an ideal candidate for your program. Please do not hesitate to contact me if you require further information or insights regarding Michael’s abilities and potential. Sincerely, Dr. Lisa Monroe

6. Complaint Letters

Purpose: Express dissatisfaction with a product, service, or situation, seeking resolution. Examples: Customer complaint letters, tenant complaints to landlords. Sample:

Morgan Rivera 123 Maple Street Hometown, State, ZIP [email protected] (555) 123-4567 March 21, 2024 Customer Service Department Mega Electronics Inc. 456 Technology Drive Tech City, State, ZIP Dear Customer Service Manager, I am writing to express my dissatisfaction with a recent purchase I made from your online store, specifically the HighTech Blender Model X500, which I received on March 14, 2024. Unfortunately, the blender has not operated as advertised, showing signs of malfunction from the first use. Despite following all provided instructions, the device overheats and shuts down within minutes of use, making it impossible to blend even the softest ingredients. This issue significantly affects my daily routines, as I rely on the blender for meal preparations. I kindly request a full refund or an exchange for a model that matches the quality and reliability promised by Mega Electronics. I have attached a copy of my purchase receipt and a video demonstrating the malfunction for your reference. Thank you for your attention to this matter. I trust that Mega Electronics values its customers and will resolve this issue promptly. Please contact me at your earliest convenience to discuss the next steps. Sincerely, Morgan Rivera Attachments: Purchase Receipt, Video of Malfunction

7. Inquiry Letters

Purpose: Request information or clarification about products, services, or policies. Examples: Letters requesting product details, information requests to universities or businesses. Sample:

Avery Kim 123 Willow Way Springfield, ST 01234 [email protected] (555) 234-5678 March 21, 2024 Admissions Office Prestige University 789 Education Blvd. University Town, ST 98765 Dear Admissions Officer, I am writing to request additional information regarding the Master’s Program in Environmental Science offered at Prestige University. As a recent graduate with a Bachelor’s in Biology from Greenfield College, I am keenly interested in advancing my education and research in the field of environmental conservation. Specifically, I would like to know more about the program’s curriculum, faculty research interests, and any available assistantships or scholarships. Additionally, information about the application process and deadlines for the Fall 2024 semester would be greatly appreciated. Prestige University’s commitment to sustainability and environmental research deeply resonates with my academic goals and career aspirations. I am eager to learn how I can contribute to and benefit from the academic community at Prestige. Thank you for your time and assistance. I look forward to receiving the requested information and considering Prestige University as the next step in my academic journey. Sincerely, Avery Kim

8. Sales Letters

Purpose: Promote or sell a product or service. Examples: Direct mail marketing letters, email marketing letters. Sample:

Jackson Patel Director of Sales BestClean Solutions 789 Clean Street City, State, ZIP [email protected] (555) 234-5678 March 21, 2024 To All Prospective Clients, Are you tired of cleaning agents that promise much but deliver little? Look no further! BestClean Solutions is excited to introduce our latest innovation – the EcoClean Pro , a revolutionary cleaning solution that combines effectiveness with environmental friendliness. Why EcoClean Pro? Powerful Cleaning: Say goodbye to stubborn stains and hello to sparkling surfaces with minimal effort. Eco-Friendly: Made from 100% biodegradable ingredients, protecting our planet for future generations. Cost-Efficient: A little goes a long way, offering you more cleans per bottle than any other brand. For a limited time, we’re offering a 20% discount on your first purchase. Experience the difference for yourself and join our family of satisfied customers who trust EcoClean Pro for their cleaning needs. Don’t miss out on this opportunity to make your cleaning routine easier, safer, and more environmentally friendly. Order now by visiting our website or calling us directly at (555) 234-5678. Thank you for considering BestClean Solutions. We look forward to serving you! Warmest regards, Jackson Patel Director of Sales, BestClean Solutions

9. Resignation Letters

Purpose: Officially announce the writer’s intention to leave their job position. Examples: Formal resignation letters, retirement letters. Sample:

Alex Martin Software Engineer 123 Coding Ave TechTown, State, ZIP [email protected] (555) 678-9012 March 21, 2024 Ms. Sarah Johnson Head of Development Innovative Tech Solutions 456 Developer Road TechCity, State, ZIP Dear Ms. Johnson, I am writing to formally announce my resignation from my position as Software Engineer at Innovative Tech Solutions, effective two weeks from today, April 4, 2024. This decision has not been easy and took considerable thought, but due to personal reasons, I believe it is in my best interest to step down. I want to express my sincere gratitude for the opportunities for professional and personal development that you have provided me during the last three years. I have enjoyed working for the company and appreciate the support provided me during my tenure with the company. I am willing to assist during this transition to ensure a seamless handover of my responsibilities. I would be happy to help train my replacement or aid in the recruitment process if necessary. Thank you again for the opportunity to be a part of Innovative Tech Solutions. I look forward to staying in touch, and I hope our paths cross again in the future. Sincerely, Alex Martin

10. Adjustment Letters

Purpose: Respond to a complaint or request, offering a solution or compensation. Examples: Customer service response letters, warranty claims responses. Sample:

Janet Lee Customer Service Manager HappyTech Electronics 123 Gadget Street Innovate City, State, ZIP [email protected] (555) 123-4567 March 21, 2024 Mr. Kevin Brown 789 Technology Ave Gadgetown, State, ZIP [email protected] Dear Mr. Brown, Thank you for bringing to our attention the issue with your recently purchased HappyTech SmartWatch, Model X200, which you reported to us on March 14, 2024. We sincerely apologize for the inconvenience this has caused you. After reviewing your case, we have determined that the malfunction you experienced is indeed covered under our warranty policy. As such, we are pleased to offer you the following options as an adjustment: A Full Replacement: We can send you a new Model X200 SmartWatch at no additional cost. A Refund: If you prefer, we can issue a full refund of your purchase price. Please let us know which option you would prefer by contacting our customer service team at (555) 123-4567 or via email at [email protected] . We aim to resolve this matter swiftly to your satisfaction. We value your business and are committed to ensuring our customers are fully satisfied with their purchases. Please accept our apologies once again, and thank you for your understanding and patience. Sincerely, Janet Lee Customer Service Manager HappyTech Electronics

10+ Letter Examples

• Letter of Agreement
• Business Agreement Letter
• Offer Letter Employee Agreement
• Proposal Letter
• Request Letter
• Resignation Letter
• Leave Letter
• Recommendation Letter
• Authorization Letter
• Notice Letter
• Official Statement Letter
• Letter of Verification
• Formal Letter
• Informal Letter

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How to Write a General Letter

All letters follow a strict format and structure that you will need to adhere to and follow. If you need a reference for your letter-writing efforts, you may use any of the letter templates, letter examples, and letter samples on the list above.

Step 1: Select the Subject of the Letter

Begin by selecting the subject of the letter. This will determine the theme, tone, and content you will write in the letter.

Step 2: Write Down the Address of the Reciever

After you have selected the letter, you will need to write down the receiver’s address on the top portion of the letter. Be sure the letter address is properly formatted and has the current contact information of the receiver.

Step 3: Properly Write the Salutation

Be sure to properly write and address the salutation to the correct person. This is because the salutation will indicate the person who will need to read the letter.

Step 4: Write the Body of the Letter

When you have finished writing the salutation, you will now create the body of the letter. Be sure to properly observe the paragraph structure and proper punctuation.

Step 5: Properly Sign Off the Letter

The letter will need to be properly signed off, which means you will need to properly format the complimentary close. Examples of the complimentary close include best regards, sincere, and best wishes.

What is Standard Letter Format?

The standard letter format is a widely accepted structure for professional and formal correspondence. It typically includes a header with the sender’s and recipient’s addresses, date, salutation, body, closing, and signature. It ensures clarity and professionalism in communication.

What is Traditional Letter Format?

Traditional letter format refers to the classic way of structuring letters, which includes the sender’s address, date, recipient’s address, salutation, body, complimentary close, and signature. It’s often used for formal or personal correspondence, emphasizing respect and formality.

What is the Good Format of Formal Letter?

A good format for a formal letter includes a sender’s address, date, recipient’s address, formal salutation, clear and concise body paragraphs, formal closing, and the sender’s signature. This format is essential for professional, academic, or official communications.

What are the Three Basic Letter Formats?

The three basic letter formats are:

• Block Format: All elements aligned to the left margin.
• Modified Block Format: Dates and closings begin at the center.
• Semi-Block Format: Similar to block, but paragraphs are indented.

What are the 4 Basic Letter Formats?

The four basic letter formats include:

• Block Format: Everything aligned to the left.
• Modified Block Format: Sender’s address, date, and closing centered.
• Semi-Block Format: First line of each paragraph indented.
• Full Block Format: Similar to block but with a more formal presentation.

How Many Parts are Included in Traditional Letter Format?

Traditional letter format typically includes seven main parts: sender’s address, date, recipient’s address, salutation, body of the letter, complimentary close, and signature. These components ensure the letter is properly structured and easy to follow.

How Do You Make an Old Fashioned Letter?

To make an old-fashioned letter, use high-quality paper and a pen for a personal touch. Start with the sender’s address at the top, followed by the date, recipient’s address, a formal salutation, handwritten body text, a polite closing, and your signature. Optionally, seal it with wax for a vintage feel

What is the difference between an e-mail and a letter?

An e-mail or electronic mail is a digital document that a person sends to another in a digital space or landscape. Not only do e-mails have a different format, but people can only send and receive emails through the use of online e-mail service providers. This means the person is required to have an internet connection. A letter is a juxtaposition of the digital form an e-mail has because letters are physically written or typed documents that people will send through postal services. Another difference both types of messaging have is related to the speed the receiver will obtain the document. Emails are generally faster than letters due to their inability to quickly traverse physical distances.

What is the tone of a letter?

A letter is a formal document that a person will write about a specific topic or concern, which the person will send to its intended receiver. The context and the subject matter of the letter will dictate the tone and theme of the letter. For example, if one were to send a cover letter with their general resume to the HR of a specific company, then the letter’s tone would be professional. But if one were to send a casual letter to a friend, then one can adopt a more casual and friendly tone. In conclusion, the tone of the letter is highly dependent on the overall subject the person wants to address in the letter.

Why do you need to submit a resignation letter to resign from your position?

In truth, one does not need to submit a resignation letter or a letter of resignation to resign from one’s position unless one’s contract specifies it. A resignation letter or a 2-week notice is a formal way of informing one’s employer of one’s intent to resign. Not only will it allow the employer a wiggle room for dialogue and proper dissemination of work, but the resignation letter will also ensure that the person will leave their previous employer with good relations or on good terms. Therefore, you should submit a resignation letter to prevent or minimize grievances from your previous employment.

A letter is a written or typed document with the intent to relay a specific message to a person about a chosen subject. A well-written letter can properly relay the intended information without any room for misinterpretation or misunderstanding. Therefore, the person needs to know how to properly write and address the letter.

Text prompt

• Instructive
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Mastering Letter Format: A Guide to Professional Communication.

Choosing the Right Letter Format for Every Occasion.

The Impact of Letter Format on Effective Communication.

Letter Format Essentials: From Salutation to Signature.

Improving Your Writing with the Correct Letter Format.

Business Letter Format: Key to Professional Correspondence

Personal Letter Format: Connecting with Loved Ones Properly.

The Evolution of Letter Format in Digital Communication.

Letter Format Mistakes to Avoid in Professional Emails.

Understanding Letter Format: A Step-by-Step Tutorial.

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Common terms.

Assumable mortgage

Unlike a traditional mortgage, an assumable mortgage is passed directly from seller to buyer, bringing its remaining balance and interest rate with it. Only FHA, VA, and USDA mortgages can be assumed. Some eligibility requirements may apply, and down payments can often exceed 20% if a property has appreciated in value since the start of its mortgage.

Bi-weekly mortgage

A bi-weekly mortgage is a mortgage in which the borrower makes half of their monthly mortgage payment every two weeks, rather than paying the full payment amount once every month.  So if you paid monthly and your monthly mortgage payment was $1,000, then for a year you would make 12 payments of $1,000 each, for a total of $12,000.  But with a bi-weekly mortgage, you would make 26 payments of $500 each, for a total of $13,000 for the year.  This can help the borrower pay off their mortgage loan sooner and reduces the total amount of interest paid over the life of the loan.).

A borrower is a person who takes out a loan from a lender.  For a mortgage loan, the borrower often is also referred to as the mortgagor (and the bank or lender the mortgagee).

Conventional loan

A conventional loan is a type of mortgage that is not insured or guaranteed by the government.

Debt-to-income ratio

A debt-to-income ratio is a factor looked at by lenders when qualifying a borrower for a mortgage loan.  The DTI is a number that lenders use to determine how well a borrower can handle their monthly debts. Your debt-to-income ratio is the number you get when you divide your monthly debt payments by your monthly gross income.  Many lenders will want to see that your DTI is 36% or lower.

Down payment

A down payment is that portion of the purchase price of a home that the buyer pays upfront; usually the balance of the purchase price that is needed to buy the home is borrowed from a lender by way of a mortgage loan.

Homeowners insurance

Homeowners insurance is a type of property insurance. It protects you from damage (for example, from fire) to your home or possessions. Homeowners insurance also provides liability insurance against claims by people who might be injured due to accidents in your home or on the property.

Interest-only mortgage

An interest-only mortgage is a type of loan in which the borrower only pays interest on the principal balance for a set time, usually five to seven years. At the end of the interest-only period, the borrower must either pay the principal back entirely or begin making payments of both principal and interest.

Loan, and Mortgage Loan

A loan is money that is borrowed by one person or company from another, under an agreement whereby the borrower promises to re-pay the loan amount to the lender, usually plus interest.  A mortgage loan is a type of loan for buying or financing real estate, where the borrower agrees that if they fail to repay the loan as promised then the lender may sell the real estate in order to recover the un-paid loan amount(s) out of the sale proceeds (in a process called foreclosure).

Loan-to-value ratio (LTV)

The loan-to-value ratio (or. LTV) is a factor looked at by lenders when qualifying a borrower for a mortgage loan.  The LTV compares the amount of a loan to the value of the asset being financed:  the amount you are borrowing divided by the price of the property being purchased or financed.  So the LTV is 66.66% on a $300,000 house where the amount being borrowed to purchase it is $200,000 (meaning the down payment is $100,000).  The lower your LTV the easier it will be to qualify for a mortgage loan.  For example, many conventional loans require that your LTV be no higher than 80%.  Of course, the greater your down payment amount, the better/higher your LTV will be.

A payment is an action that transfers money from one person or entity to another. Payments can be made in various ways, such as with physical currency, such as coins or bills, with a check (personal, cahiers, or otherwise) or with electronic forms of payment, such as debit or credit cards or electronic funds transfers (a transfer effected digitally, from one bank account to another).

Real estate

Real estate is land, or a parcel of land, either vacant (un-improved) or improved with structures such as a house, apartment building, commercial building, etc. Real estate, especially once it is thus “improved,” can serve as a place of business or residence and can be used to produce income, such as through renting or leasing.  Real estate also can refer to a particular kind of legal interest in a land parcel (whether or not improved), such as ownership or entitlement to occupancy under a lease.

Reverse mortgage

A reverse mortgage is a type of loan that allows seniors to borrow against the value of their homes. The loan does not have to be repaid until the borrower moves, sells, or dies.

Step-by-step Guide

A step-by-step guide is a guide that takes you through the process of doing something, usually in a series of easy-to-follow, sequential steps.

The Federal Housing Administration (FHA), FHA Loan

The Federal Housing Administration (FHA) is an agency of the U.S. government.  An FHA loan is a mortgage loan that is issued by banks and other commercial lenders but guaranteed by the FHA against a borrower’s default.  FHA loans make home ownership more possible for borrowers than it otherwise would be through conventional mortgage loans, because an FHA loan permits relatively low down payments, limits closing costs the borrower pays, and is accessible to borrowers who have a relatively lower credit score.  These features make an FHA loan particularly useful for many first-time homebuyers who have not yet saved enough for the amount of down payments that commercial lenders usually require for a conventional loan.

Veterans Affairs Department (VA), VA loan 

The Veterans Affairs Department (VA) is an agency of the U.S. government.  A VA loan is a mortgage loan that is available to current and former members of the military (and select military spouses), issued by banks and other commercial lenders, but guaranteed by the VA against a borrower’s default.  VA loans make home ownership more possible for borrowers than it otherwise would be through conventional mortgage loans, primarily because a VA loan does not require any down payment.  Additionally, interest rates offered for VA loans often turn out to be lower than those offered for conventional loans.