The letter must explain who is gifting the money, where the donor's funds are coming from and the relationship between the donor and the recipient. Often your mortgage originator will provide a gift letter template.Access our financial planning and report fraud forms and submit online. If part of your mortgage deposit is a gift, the lender may ask for a mortgage gift letter confirming the funds are not a loan. Downloadable template. A mortgage gift letter is a statement that assures your lender the money that came into your account is a gift and not a loan. Before you open a personal account with Middlesex Savings Bank in MA please read our Consumer Account Agreement. Contact us to learn more. Please fill in the whole form including official use box using a ball point pen and send it to: Instruction to your. Copy of the donor's gift check.