When you need one
Mortgage applications, apartment leases, visa and green card filings, and some benefit applications all ask for third-party verification of earnings. For employees, the employer provides it. For self-employed business owners, we do.
What the letter contains
Employment or self-employment confirmation, date range, gross earnings, and any additional details the requesting party needs. Signed, dated, and on firm letterhead.
How to request a letter
Call or email the office with the requesting party's requirements, in writing if you have them; lenders often specify exact language they need to see. We draft to that requirement, verify the numbers against the returns and payroll records on file, and send the signed letter to you or directly to the requester.
Why lenders ask the preparer
For a self-employed borrower there is no employer to call, so underwriters lean on the tax preparer to confirm the business exists, the income is real, and the filings are current. The letter carries weight precisely because the preparer signs returns under penalty of perjury and has the filing history on file.
What we will not write
We verify facts we can support from your returns and records. We do not project future income, guarantee continued earnings, or insert opinions a lender drafts for us. A letter that overstates creates risk for both of us, and underwriters discount inflated letters anyway.
Common questions
- How fast can you produce one?
- Most letters go out within two business days. Rush requests handled same-day when possible.
- Can you do these for clients who only have personal tax work with you?
- Yes, as long as we have enough history to verify income accurately. Typically we need two years of returns on file.
- Can the letter go straight to my lender?
- Yes. With your written authorization we send it directly to the underwriter or attorney, which most requesters prefer.
Related
Other services we offer
Monthly Bookkeeping
Monthly, quarterly, and annual bookkeeping with bank reconciliations, a profit-and-loss report, and balance sheet within ten business days of month-end.
QuickBooks Setup & Support
QuickBooks setup, cleanup, and monthly reconciliation for small businesses. Chart of accounts, bank feeds, and monthly reports that match the tax return.
IRS Audit Representation
Herman Viglione, EA, represents taxpayers in IRS and state audits. Correspondence, office, and field audits handled remotely for clients in any state.
IRS Notice & Letter Response
Responding to IRS notices (CP2000, CP14, CP504, LT11 and others) within the deadline, with proper documentation. You get a copy of the entire response packet.