Business
How to Get a CPA Letter: What It Can Confirm
Get the exact wording from whoever is asking, then go to the CPA who prepares your returns with…
READ MORE ●
Assurance
- Home
- CPA Letters
- Mortgage & comfort letters
CPA letter · No assurance
CPA Letter for Mortgage: Self-Employment & Income Verification
Mortgage letters for self-employed borrowers, worded to your underwriter’s request — stating facts we know from returns we prepared, signed by a CPA.
- Worded to the underwriter
- Facts from returns we prepared
- Signed by a licensed CPA
The short answer
What goes into a mortgage CPA letter?
A mortgage CPA letter confirms facts we know from work we performed — typically that you are self-employed, how long we have prepared your returns and figures as reported on those returns. It does not address your ability to repay.
Oct 28, 2026CPA Letter — Mortgage
Letters state only facts within our knowledge from services we performed. Not an audit, review or compilation; no assurance about future income or solvency.
Clear limits
What we can and cannot confirm.
Underwriters sometimes ask for statements no CPA should sign.
We can confirm
- That we prepared or reviewed your returns for named years
- Figures as reported on returns we prepared
- How long we have provided services to you
- Your business’s legal name and entity type, from our records
- That you hold the ownership stated in documents we reviewed
No CPA should sign
- That you can afford a loan or will repay it
- That using business funds won’t harm the business
- Future income, profits or solvency
- Facts we didn’t verify through our own work
- Anything “certified”, “guaranteed” or “verified as accurate”
Underwriter requests
What underwriters ask, and our answer.
A black answer means no CPA should sign that statement.
Underwriter asksOur answer
“Confirm the borrower is self-employed”Confirmed from returns we prepared
“Confirm years in business”Confirmed from our records
“Confirm income for the last two years”Figures as reported on filed returns
“Confirm using business funds won’t harm the business”No CPA should sign — we explain alternatives
How an engagement works
Four steps, clearly defined.
- 1
Tell us who is asking
Share the requester and their exact wording.
- 2
Upload securely
Instructions and returns go through the client portal.
- 3
Consent & quote
Written consent, then scope and a quote.
- 4
Signed letter
A letter stating facts from work we performed.
Licensed CPA sign-offEvery report and letter
AICPA standardsSSARS and SSAE, cited by number
Independence firstConfirmed before we accept
Secure portalDocuments never sent by email
FAQ
Frequently asked questions.
Reviewed by the NexusWorks assurance team · Last updated Oct 28, 2026
A letter confirming specific facts from your CPA. Headings on this site say “CPA letter”; underwriters often call it a comfort letter.
No CPA should sign that statement. We’ll explain what we can provide instead.
Letters state facts from work we performed, so we generally need to have prepared or reviewed the relevant returns.
Match your request
Tell us what was asked for.
Paste the exact wording from your lender, surety or agency. We'll tell you which engagement satisfies it — and if it doesn't fit what we offer, we'll say so.
Out-of-state engagements accepted where state rules permit.