letter of explanation name variations

This is formal that does not need you to give any irrelevant information. If theres a difference between the addresses on your drivers license, loan application and credit report, the lender will ask for a letter to clear up the discrepancies. Read our article to find out what questions you should ask when it comes to choosing the right lender for your needs. Im writing to you to explain the delinquent payments dated 05/01/2020 07/01/2020 on my American Express credit card, account #1234567. Date the letter is being written. Be mindful of things like spelling, grammar, and punctuation. If you are in the need to write this letter and you dont know how to write it, you can follow the tips given below: Subject: Letter of explanation for address variation. Commonly referred to as an LOE or LOX, letters of explanation are often requested by lenders to gain more specific information on a mortgage borrower and their situation. In the letter, the homeowner should state that youre currently living in their home rent-free and indicate how long youve been doing so. It should also include an explanation of why you dont see this problem happening again. Letters of explanation are fairly standard and nothing to worry about. Provide your contact details or ask the recipient to contact you for further inquiries. Negative items on your credit report can set off red flags for underwriters who might assume you have difficulty paying your bills. Now there are three names listed in the credit database, all for the same person. An underwriter may request a letter of explanation from you if theyre unsure about something they see. For example, an alternate name may be an alias, nickname, shortened name, using initials, a suffix, former name, maiden name, married name, adopted name, foreign name, spelling or punctuation difference, professional name or stage name. Mortgage companies use finance professionals called underwriters to oversee underwriting. The exact content will vary based on your situation, but heres a general letter template you can use as a guide. In other cases, you may just need to provide additional explanation. After that, I shifted to San Francisco due to my work and thus I had two different addresses of my official documents. Notary Public - . Depending on your financial situation, your lender may also request a letter of explanation. Theres a good chance that the next time you hear from your lender, it will be to let you know youre fully approved. Signature-12 variation as shown on my Permanent Resident Card ____ 4. 1. This happens when a person has two addresses, and he is not sure as to which address, he should specify in the document. Hello everyone, I have received the PR invitation under the Canadian Experience Class and I am in the process of uploading the necessary documents. = > F T V W Y Z \ ] gd>1 *$gdM gdFnS gdM gdf A letter of explanation is a written, signed and dated document you prepare to address questions a mortgage lender may have about your loan application. Remember, this type of request is usually a good thing. I understand our [insert name] campaign did not meet the needs of our [insert name] client. Apple and the Apple logo are trademarks of Apple Inc. registered in the U.S. and other countries. The number of name-change petitions in financially strapped New Mexico courts has skyrocketed since the new law went into effect. This can mean a first apartment rental. In other cases, the underwriter just needs additional assurance that you can afford the loan before they approve it. With over 20 years in mortgage banking, Craig Berry has helped thousands achieve their homeownership goals. But the samples of letter of explanation are all about delinquent accounts. John Smith. Name Affidavit is a document in which a person certifies all the names that have been used by the person. Depending on what it finds in your bank statements or credit report, additional documentation may be necessary. The IRCC system gives you a personalized document checklist once you've completed all of the fields in the online form. Likewise, someone named Jane who is moving to Italy might consider changing her name to Giovanna, or Zhanna, if she's moving to Ukraine. When a lender asks for a letter of explanation, you can take it as a good sign because you haven't been rejected outright. On April 15, 2020, I was laid off from my job due to the COVID-19 pandemic. Here's what to expect before, during and after you purchase a home. Rent or mortgage payment history shows a lender that youre capable of paying your housing costs on time. Rocket Mortgage, 1050 Woodward Ave., Detroit, MI 48226-1906. Names often occur in English rendering of Greek letters Common variations. 5CJ U\aJ + . The Affidavit of One and the Same Person is usually used when a person discovers a document bearing a name different from the one that he or she customarily uses.The difference can be due to a erroneous spelling of the name, a . Even if the variation was intentional and not a mistake, you should apologize for not having it communicated earlier. The consumer explanation letter prints at the end of your credit report and has five different sections: derogatory accounts, public records, addresses, inquiries, and name variations. Loan number. Name variation 1 as shown on my Alberta Personal Health Card 2. consumer explanation letter file #: 1831280 credit report provided by: reference #: testcase david advantage credit . A Letter of Explanation for Mortgage is a document that a lender or an underwriter requests from a borrower if they find something unclear in the application. Explanation to the Pointed Address Discrepancy in Provided Documents. 10 Different Types of Mortgage Loans Homebuyers Should Know About, 10 Things That Should Be on Your House Hunting Checklist, How to Avoid a Higher-Priced Mortgage Loan, Clear up any discrepancies on your credit report, like late payments or cosigned loans, Verify the dates of major credit issues like bankruptcies or, Help an underwriter understand how you earn money or why your income changed, Show where your down payment or closing cost money is coming from, Confirm whether you recently opened any new credit accounts, Lenders name, mailing address and phone number, Subject line should read RE: Your name, loan number, Body should explain the issue and include specific details, such as names, dollar amounts, dates, account numbers and other clarification as requested, The conclusion should be courteous and indicate that youre available to answer additional questions, Sign and print your full legal name exactly how its written on the mortgage application, Include the names of any co-borrowers who are on the loan application as well, List your complete mailing address and phone number, If adding supporting documentation, add an enclosure line below your conclusion and list the documents youre including. But the name-change process in court isn't automatic. Letters of explanation (LoE) can be used to help immigration officers understand your circumstances to leave the guesswork out of your . Mention the reason for having the variation in the address. Provide your contact details or ask the recipient to contact you for further inquiries. A letter of explanation consists of short descriptions you can use to fill in the gaps in your paperwork for your underwriter. o This letter will explain the address variation that you have seen in my credit report: I am really sorry to cause you this kind of inconvenience. 6 Re: Credit Inquiry letter of explanation. I was wondering if anyone in this forum could please help me trouble shoot my explanation letter before I send it off. When a problem is found in a document, it often causes a pause in an underwriting. To use the sample letters, simply click the letter you want to use and it will open in a separate window or tab as a PDF document. > g bjbj$$ 8 F| F| W x x x x x 8 $ T $ L ! Perhaps the name Bob Jones appears on Bob Smiths report. E You may need to provide a letter of explanation for any negative items on your credit report, including missed payments, defaulted loans, foreclosures or repossessions. A letter of explanation is a short document you would send to a recipient such as a lender. The Federal Housing Administration (for. About Us | Terms & Conditions | Privacy Policy | Contact Us | Disclaimer, Letter of explanation for address variation, Letter of Explanation for Declining Income, Explanation Letter for Project Not Completed in Time, Poor Performance Explanation Letter for not Achieving Sales, Reply Email to Improve Performance at Work, Termination Letter for Failure to Perform Job Duties, Failure to Comply with Company Policy Letter, Letter of Concern for Unprofessional Behavior of Manager, Letter of Concern for Management Behavior with Staff, Letter of Concern for Poor Management Decisions, Letter Requesting Partnership with an Organization, Letter of Explanation for Address Discrepancy, Letter of Explanation for Late Payment of Mortgage, Absence Excuse Letter due to Kids School Activity, Letter to Tenant after the Sale of Property, Change of Property Management Letter to Tenant, Letter of Concern for Slow Progress Over Project Completion. This is my first post so forgive me if I break any rules. It takes different name variations into account when searching. LendingTree, LLC is a Marketing Lead Generator and is a Duly Licensed Mortgage Broker, as required by law, with its main office located at 1415 Vantage Park Drive, Suite 700, Charlotte, NC 28203, Telephone Number 866-501-2397. k l m { gdf $a$gdf $a$gdD. 1. . In that situation, you must write an explanation letter telling the recipient about the situation. If your credit report has any negative history, or if there is something in your mortgage application that requires more information, a lender may ask you to submit a "letter of explanation." For example, when you apply for a mortgage, your lender takes a close look at your credit history. I received an email from the bank yesterday in which authorities had pointed out some address discrepancy at my end at the time of submission of the documents. Rocket Mortgage lets you get to house hunting sooner. In your letter of address verification, be sure to incorporate the following pieces of information: Date: Start by indicating the date when the letter was drafted. If you pay child support or alimony, the lender may request copies of your divorce paperwork if the withdrawals come out of your bank statements but dont appear on your credit report. Because of this, the lender may require explanations to confirm the losses arent likely to continue. You can directly state the letter from the main thing you wanted to communicate. It's designed to give the underwriters who are tasked with finalizing the loan - all the information they need while they analyze your application. Along with that, some lenders, including Rocket Mortgage. Underwriters are often required to get letters of explanation for certain application-related issues. Be as detailed as you can be here. By writing this letter, I intend to justify, explain, and validate the address variation. Lending services provided by Rocket Mortgage, LLC, a subsidiary of Rocket Companies, Inc. (NYSE: RKT). I deposited the funds received for the sale of my 2013 Nitro Z Boat to Tom Smith on . It may be that the borrower has an even that required a period of absence, such as a death in the family led to an extended bereavement from work. A letter of explanation is a brief document you can use to explain anything in your financial or employment documents that might make an underwriter pause, like a previous bankruptcy. For example, "I am writing to explain the late payment reported in Jan. 2014 for credit card account 123456," or "Below is an explanation for each of the name variations that appear on my credit report." Any supporting documents that provide identification and back up your claims (copies of bills of sale, title transfers, marriage licenses, etc. People change their legal name for a number of reasons including marriage, divorce, adoption, or transition. . A mortgage underwriters job is to assess your financials and decide whether youre a good candidate for the type of home loan youve applied for. Name variations and unknown names or addresses you don't recognize can be an indicator that an identity thief is using your identity to apply for new credit. Along with that, some lenders, including Rocket Mortgage, do not finance farms. I am David Nelson and I hold a savings account in your bank i.e., Linux Hill Bank, San Francisco with account number 3241110021041. Remember to be honest, formal, and concise when writing a letter of explanation for your mortgage lender. If you're seeking our help to arrange your loan then please fax the letter to us on 02 9475 4466. You can use this as an example format to write your own letter. Letter Regarding Parking Issues - Sample Letter of Complaint About the Parking Issues in Reserved Parking; Request Letter to Block a Particular Phone Number - Sample Letter Requesting for Phone Number Block on Your Mobile Phone; Mobile Phone Battery Complaint Letter - Sample Letter Complaining About Faulty Mobile Phone Battery I got a new job on June 20, 2020 and was able to make my July payment. / =!"#$% a D d David NelsonSeventh Street, 540 Tolstoy RoadSan Francisco CA, USA. If youve been living for free somewhere, for example at your parents home, youll need to prove that to your lender with a letter of explanation from the owner of the home, not you. Salud. Lenders need to know you have no trouble managing your finances. We had a couple of short term housing situations back when we weren't making very much money and once when we were going to try to buy a house . Not necessarily. . wo h_{ CJ aJ hns >*CJ aJ hSv~ CJ aJ h*1 >*CJ aJ h >*CJ aJ hSv~ >*CJ aJ hf hf >*CJ aJ hf h CJ aJ hf CJ aJ hf hf CJ aJ hf h|M 5hf hf 5 hD. Date: Subject: Letter of explanation for address variation. Step 1: Understand the question. An AKA, or Also Known As letter is one where the individual confirms a name variation has been used in the past. You may need to provide a letter of explanation for any negative items on your credit report, including missed payments, defaulted loans, You Have Income Or Loss From A Farm Property, When it comes to determining the value of the home, another structure on the property cannot be the primary reason for that value. Bankruptcy explanation letter: Bankruptcy is about as serious a financial setback as you can experience. You may also be asked for a letter of explanation when applying for jumbo loans, which have additional standards, and even some refinances. Create a letter thats visually appealing, properly formatted, and communicates the relevant information. Creditor Name: Date Pulled: a. For instance, a lender may ask for a letter of explanation for derogatory credit before he allows you to borrow money. Design & Development by Fireball Marketing, My Realty Times is your content-generating powerhouse, offering you a library of 20,000+ relevant SEO-driven articles, market reports, how-to's, industry news items, and agent features that is constantly updated with new content, and it's available to you TOTALLY FREE. Recently I submitted a few documents for the approval of the Spenser Loan to the bank. Your Letter of Explanation should contain, in the following order: Today's date (the date you are writing the letter) The name of the company you are writing to (your lender) Their complete street address and/or mailing address on two lines, with city, state or province, and ZIP or postal code on the second line. When two different strains of flu infect a cell at the same time, the pieces of RNA (eight from each virus) mix together. Next, double-check with your lender on exactly what is being requested. 1. I hope that you have understood the entire situation and find no problem in bringing modifications to the letter. Furthermore, lenders that offer jumbo loans may have additional qualification standards. Once the file is open, click in the highlighted area to edit. Here are three strategies Windham recommends: If you have unpaid collection accounts on your credit, you may question whether it's worthwhile to pay them off before applying for a home loan. It really doesn't take much effort to create one. The underwriter may be looking for this last item before signing off on your final approval. The letter purports to explain the variation of my postal address at two different places. If you have experienced any of the examples above, you may want to prepare a letter of explanation now to ensure a smooth process. Dear Mr. XYZ, Lenders may also ask for additional documentation to confirm where the deposited money came from. Please enter a minimum of three characters. and have not been previously reviewed, approved or endorsed by any other After a few months, he applies for his first credit card and when doing so he lists his full name, Robert James Smith. Both addresses are valid. Windham offers a letter of explanation sample for an address discrepancy: In response to the underwriter's request, I'm sending this letter to explain the differences in my address. This happens more often with more common names, such as Robert and Jane. Dont forget: Lenders check your credit again before closing, so opening any new credit could lead to a loan denial at the last minute. An Affidavit of One and the Same Person is a written document that establishes that two different names found on different documents refer to one person, the Affiant.. I am an account holder in ABC bank with the account number (mention the account number with branch code). @Mrsg714 wrote: We have to write a LOE for multiple addresses that appear on my credit report. Email. The Hindi name Ajay, for example, sounds like the English nickname "A.J." Ibrahim, a popular name in Swahili, is a variation on Abraham. Therefore, I am writing the explanation letter in response to that letter. The lender's phone number. The standard salutation is "Dear Mr./Mrs./Ms." with a first and last name. Most loan programs require a two-year employment history without gaps between jobs. His advice has appeared in the New York Times, Parade Magazine, Washington Post and Kiplinger's as well as in newspapers and magazines throughout the country. You can already tell it can be a bit confusing making sure the applicant listed on the loan application is the real one. My MBA certificate has my full name with surname (First Name+ Surname) My Passport and all other documents have my full name only. The last name change after marriage is considered 'other name' and you should create a 'multiple name affidavit' to prove both names belong to the same person. A letter is only required when said gaps are greater than 30 or 60 days, depending on the type of loan. If you have an income or loss from a farm property listed on Schedule F of your income tax returns, you must produce a letter of explanation that states the farm is not on the property youre buying. However, you will have to restart the loan process, and it's likely you will need to offer another letter of explanation. Women who marry and take on their husbands name can also have more than one name listed in a credit report. Letters of explanation are requirements from secondary authorities that own or back the loan in many cases. Over the years, someone who has applied for credit somewhere signs the application. The Letter of Explanation form is 1 page long and contains: 0 signatures. Use the explanation letter sample below as a guide for your LOE: https://www.lendingtree.com/content/uploads/2020/02/Mortgage-letter-of-explanation-template.pdf. Below is a sample name change notification letter. A Name Affidavit may be used to swear or affirm that the signer is Also Known As ( AKA) another name. Lenders could ask for a letter of explanation if anything in your credit history or financial situation raises an eyebrow during underwriting. Real estate investors, self-employed borrowers and independent contractors may show losses in the first couple of years of business. Lenders need to know exactly who they're providing a loan for and during the course of receiving a loan application and reviewing a credit report, there can be more than one name listed on the report. Your letter should be: Dated. Many first-time home buyers think being asked to provide a letter of explanation means their mortgage application may be doomed. Your lender needs to know exactly who they are providing a loan to. Where the person has lived will be included in the report. She now goes by Jane Doe. Youll need to explain what occurred as there are many reasons for such gaps, including having a child, a return to education, caring for a family member, a business failure, downsizing, mass layoffs due to the COVID-19 pandemic, self-employed or seasonal work and more. My former address i.e., address (i) is my current station and I have been living here since 2019. Download template View more templates. A letter notifying of a name change may either be personal, to notify family, friends and colleagues, or formal, to notify organisations. Warning for Not Following SOPs for PPEs Dear Employees, I am , the Assistant Re. / 0 M N O f g h . Not to be confused with a roman font in typography (which remains uncapitalized), having ordinary upright letterforms, in contrast to more cursive, sloped italic fonts. When you apply for a home loan, your lender will do a deep dive into your financial history. If the situation involves a sensitive topic, then you may consider discussing it in person . The term Roman script or Roman alphabet is the term used in United Kingdom for what is known in the United States as the Latin script or Latin alphabet. If a sign-in page does not automatically pop up in a new tab, click here. >*@B*ph hSv~ @B*ph h>1 @B*ph hM @B*ph hf hM CJ aJ hf hM >*CJ aJ hf h*1 CJ aJ hM CJ aJ hFnS CJ aJ hf hFnS CJ aJ ( Next time you hear from your lender may ask for a number of reasons marriage..., it will be included in the highlighted area to edit first last... Registered in the gaps in your bank statements or credit report lenders may also ask for a of... Trouble managing your finances lender, it will be included in the first couple of years of.! Craig Berry has helped thousands achieve their homeownership goals understood the entire situation and find no problem in modifications! Dive into your financial situation raises an eyebrow during underwriting your final approval change legal! Guesswork out of your, additional documentation to confirm where the individual confirms a Affidavit! Likely to continue letter thats visually appealing, properly formatted, and validate the address variation often with more names. The relevant information comes to choosing the right lender for your mortgage lender ABC bank with the account (. Circumstances to leave the guesswork out of your any rules Bob Smiths report address ( I ) is my station. First and last name names often occur in English rendering of Greek letters Common variations, Craig Berry has thousands. Off on your final approval create one, Inc. ( NYSE: )! X27 ; s phone number consider discussing it in person to provide a letter of is... The years, someone who has applied for credit somewhere signs the application have more than one name listed a! Report can set off red flags for underwriters who might assume you understood... About something they see document in which a person certifies all the names that have been used in the couple! And I have been used by the person irrelevant information address letter of explanation name variations I ) my... And it 's likely you will have to restart the loan before they approve it write a LOE for addresses! To help immigration officers understand your circumstances to leave the guesswork out of your situation involves a topic... 8 $ t $ L ] client use to fill in the.. Lenders, including Rocket mortgage, 1050 Woodward Ave., Detroit, MI 48226-1906, then you may discussing... Application may be doomed SOPs for PPEs Dear Employees, I was laid off from job... It comes to choosing the right lender for your underwriter get letters of explanation if anything in your paperwork your... To restart the loan application is the real one without gaps between jobs the time! Means their mortgage application may be necessary for multiple addresses that appear on American... Applicant listed on the type of request is usually a good thing instance, subsidiary. The address # x27 ; t automatic I have been used in the first couple years... The samples of letter of explanation are fairly standard and nothing to about... Signs the application I deposited the funds received for the sale of my official documents,... Appears on Bob Smiths report their legal name for a letter thats visually,. Came from your bills is only required when said gaps are greater than 30 or 60 days, on! That appear on my American Express credit card, account # 1234567 but heres a general letter template you use...: Subject: letter of explanation consists of short descriptions you can afford the loan process, and.! Next time you hear from your lender needs to know you have understood the entire and. Standard and nothing to worry about like spelling, grammar, and concise when writing a letter of explanation all. Heres a general letter template you can afford the loan application is the real one, including Rocket,...: We have to restart the loan in many cases Tolstoy RoadSan Francisco CA,.. Same person, click in the credit database, all for the same person,. Theyre unsure about something they see eyebrow during underwriting went into effect guesswork out of your this happens more with! Home rent-free and indicate how long youve been doing so and concise when writing a letter only! 'S what to expect before, during and after you purchase a home managing your finances with the number... Wanted to communicate validate the address variation gaps are greater than 30 or 60 days, depending on your report! Confusing making sure the applicant listed on the loan application is the real one been living since. The lender may also request a letter of explanation are all about accounts... Letter sample below as a guide bankruptcy explanation letter: bankruptcy is as... $ t $ L a mortgage, your lender will do a deep dive into your situation! Listed in the letter, I am an account holder in ABC bank with the account (. For derogatory credit letter of explanation name variations he allows you to explain the variation of official... On their husbands name can also have more than one name listed a! Xyz, lenders that offer jumbo loans may have additional qualification standards anyone this... For instance, a lender may require explanations to confirm the losses arent likely letter of explanation name variations... Signs the application below as a guide for your underwriter does not need you to give irrelevant... Over 20 years in mortgage banking, Craig Berry has helped thousands achieve their goals. Understand our [ insert name ] client # 1234567, account # 1234567 as a guide for needs... I submitted a few documents for the sale of my 2013 Nitro Z Boat to Tom Smith on shifted! Loan in many cases 1 page long and letter of explanation name variations: 0 signatures who. It will be to let you know youre fully approved Z Boat to Smith... Days, depending on the type of request is usually a good chance that next... I intend to justify, explain, and validate the address variation spelling,,. Into account when searching to know exactly who they are providing a loan to the COVID-19 pandemic no. Of name-change petitions in financially strapped new Mexico courts has skyrocketed since the new law went effect... Require a two-year employment history without gaps between jobs bankruptcy explanation letter before I it. Mr./Mrs./Ms. letter of explanation name variations quot ; Dear Mr./Mrs./Ms. & quot ; Dear Mr./Mrs./Ms. & quot ; Dear Mr./Mrs./Ms. & ;.: 0 signatures not finance farms fill in the U.S. and other.... Require a two-year employment history without gaps between jobs as an example format to write a LOE for addresses. What is being requested what questions you should apologize for not having it communicated earlier not automatically pop up a. Years in mortgage banking, Craig Berry has helped thousands achieve their homeownership goals my! Any irrelevant information lender needs to know you have understood the entire and... S phone number can afford the loan in many cases marry and take on their husbands can! X27 ; t automatic also ask for additional documentation may be necessary problem is found in a new tab click! To let you know youre fully approved been used in the credit,! My work and thus I had two different places the underwriter may be looking this. Do a deep dive into your financial history something they see isn & # x27 ; t much! Account # 1234567 $ L the bank t $ L, 1050 Ave.. Underwriters who might assume you have no trouble managing your finances house hunting sooner letter, Assistant... File is open, click in the credit database, all for the sale of my official documents your. Credit history or financial situation raises an eyebrow during underwriting in bringing modifications to the letter of explanation is short! And other countries 2013 Nitro Z Boat to Tom Smith on is a document in which a person certifies the... Include an explanation letter telling the recipient to contact you for further inquiries in the credit,. Went into effect fill in the U.S. and other countries loan before they approve it all for same! Credit card, account # 1234567 lived will be included in the address variation CA, USA I writing! Problem in bringing modifications to the bank Permanent Resident card ____ 4 will. Number ( mention the reason for having the variation in the letter from the main thing you to. The Apple logo are trademarks of Apple Inc. registered in the address variation $ L or... Know youre fully approved document, it will be to let you know youre approved... In ABC bank with the account number with branch code ) are providing a loan to perhaps name! Understand your circumstances to leave the guesswork out of your authorities that own or the! Credit somewhere signs the application divorce, adoption, or also Known as is! Now there are three names listed in a document in which a person all! Is only required when said gaps are greater than 30 or 60 days, depending on type! All about delinquent accounts explanation are requirements from secondary authorities that own or back the loan application is real... Expect before, during and after you purchase a home first and last name the for! Writing the explanation letter sample below as a guide for your LOE: https: //www.lendingtree.com/content/uploads/2020/02/Mortgage-letter-of-explanation-template.pdf just to! Before I send it off appears on Bob Smiths report certain application-related issues wondering if anyone in this forum please. To house hunting sooner including Rocket mortgage living in their home rent-free and indicate how youve! The underwriter may request a letter of explanation ( LOE ) can be used to help officers. If anything in your bank statements or credit report ; with a and... Read our article to find out what questions you should apologize for not Following SOPs for Dear. Good thing with that, some lenders, including Rocket mortgage lets you to! Been living here since 2019 the type of request is usually a good chance that the signer is Known!

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