The last paper your lender needs to approve your mortgage.
If you are self-employed or a business owner and your lender needs a CPA letter for a mortgage, you’re in the right place.
- Bank Statement Mortgage Loan
- No Tax Return Filed
- Self-Employed
- Expense Ratio
Avoid overseas and in-authentic letter providers.
Josha purchased a letter for a “cheap price” (overseas via WhatsApp), but was ghosted. Underwriting denied the letter, forcing him to order a new one ASAP, which delayed his closing by 2 weeks.
- Confirm the letter is from a reputable provider WITH experience
- Only purchase from U.S. based providers (Not Fiverr)
- Verify nationwide licensing (Most CPAs can only operate in 1 state)
100s of letters approved.
I need a letter from a CPA for a mortgage loan. I am self-employed and my CPA just informed she doesn’t do these types of letters. It needs to state that I have been self-employed for 2+ years and that I am in good standing with the state.
We need a CPA letter. See below items 1-4 letter must say.
- State XXXX XXXXXXX is active and operating.
- CPA letter must break down ownership percentage, 98% is owned by applicants.
- We need CPA stating XXXX XXXXXXX has been in business for 2yrs+.
- Letter needs to state old business is consolidated & under XXXX XXXXXXX.
- Letter must be signed by CPA with Lic #
CPA, EA, or licensed tax preparer or equivalent expense factor letter verifying my business. The letter must be on letter head, with contact information, and license number. Please include the following information:
- The name of the business
- The applicant’s percentage of ownership
- The business expense ratio
- That the business/applicant are active and/or are in good standing as may be the case per state reporting.
- Also, state: “the use of business funds will have no impact on the day-to-day operations of the business.”
I opened a business in New York in 2013. The business was open for approximate 2-3 months before I permanently closed and I relocated back to Ohio.
Unfortunately I was told by mortgage lender that because I did not appropriately dissolve the business and just packed up and left.
I will need a CPA letter of verification stating that the business is not open.
Who needs a CPA Letter?
Lenders need a CPA Letter from self-employed individuals, business owners, and business partners when applying for a mortgage.
Self-Employed
Lenders request a CPA Letter from Schedule-C filers to confirm their sole-proprietorship is active.
Business Owners
Business Partners
Partners will need a CPA Letter to verify business ownership percentage.
What does a CPA Letter certify?
Business Details
Business is active as of November 11, 2026
Business is in good standing with the state
Business address
Financial Facts
Use of business funds will not negatively affect the business
Expense ratio of the business
Business bank statements
Business tax returns (if applicable)
Business Owner
Business ownership percentage
Length of self-employment / business ownership
Business owner identity verification
Tax Shark vs. Others
Let the team that actually cares if you close on your home win.
CPA Letter Pro
- Verified Owner Address
- Verified Business Ownership %
- Expense Ratio Available
- Certification of Business in Good Standing
- Statement of "Business Funds Will Not Negatively Affect the Business"
- Affidavit of Original Documents
- U.S. Based Letter Certification 🇺🇸
- 6 Hour ASAP Delivery
- 24/7 U.S. Based Support
Typical CPA Letter
- Missing owner address
- Missing business address
- Often not U.S. based
- No expense ratio
- Slow, 2-day delivery
- No proprietary letter acceptance system
Recently Verified Letters
You’re next.
Pricing
Transparent pricing.
No hidden fees.
CPA Letter
For self-employed individuals needing a CPA Letter.
$800
- Certified CPA Letter
- 24 Hour Delivery
- 97% lender approval rate as of November 11, 2026
- Easy-to-use, secure portal to upload financials
- Income Verification
- Self-Employment Verification
- Business Ownership %
CPA Letter Pro
For business owners or partners needing a CPA letter.
$950
- Certified CPA Letter
- No Tax Return Required
- Expense Ratio Available
- Unlimited revisions per lender requirements
- 6 Hour Urgent Delivery
- 99% lender approval rate as of November 11, 2026
- Easy-to-use, secure portal to upload financials
- Certification of Business in Good Standing
- Certified Statement - "Use of business funds will not negatively impact the business"
- Verification of Business Bank Statement(s)
- Business Ownership %
- Verification of Business Profit & Loss Statement
FAQs
What documents do I need to submit for a CPA letter?
The documents needed for a CPA letter include the last filed business tax return (if available), 3 months of business bank statements, and a document to confirm you are the business owner.
Who can write a CPA letter?
For a CPA letter to be accepted by the lender, it must be prepared and signed by a CPA, enrolled agent, tax attorney or other professional under IRS Circular 230.
Why does my lender need a CPA letter?
Banks that buy up mortgage loans require lenders to provide 3rd-party income verification for business owners to reduce the risk of underwriting the loan. Lenders often pass this responsibility down to the applicant and request a “CPA Letter”.
Will I be certified?
It depends on your financials. Our team thoroughly reviews your financials to verify business income. 97% of individuals are approved for certification and receive a CPA letter.
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