General Program Guidelines. 1. When you find the perfect home, you'll simply make a phone call to a lender, get a loan approval letter, and get the home under contract.What could be easier? When someone offers to help you make a down payment on a house, your lender will require a gift letter for a mortgage. Here's what it includes. Fill out the below form and a Business Banker will reach out to you shortly. Mortgage lenders might request a letter of explanation for various red flags that come up in underwriting. Learn how to write one, and download a template. A personal loan agreement can protect both you and the borrower when you lend money. Use our step-by-step guide for how to write a personal loan agreement.