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. The following templates include all the necessary verbiage for a gift letter and should satisfy most lenders.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. On the rules for mortgage gift letter, let's dive in. First, the mortgage gift letter must include the name. 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. A medallion signature guarantee must be completed in person because it confirms your identity, signature and legal authority to transfer securities.