Mortgage gift letter template. Lenders generally provide a boilerplate mortgage gift letter template for you to use.Description: City officers and employees who work in the executive and administrative branches can use this form letter when returning gifts. The goal of a gift letter is to provide the lender with proof of where the funds came from. Here's a sample gift letter you can use to prove that the money is truly meant as an outright gift, with no expectation of repayment. We can define a gift letter as a legal statement that ensures your bank or lender that the funds that came into your bank account are a gift rather than a loan.