I am writing to provide an explanation for the gap in my employment history as indicated in my mortgage application. Explain what caused the employment gap, and be honest about it.There are lots of reasons why people aren't employed. 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. It's best to keep your letter of explanation short and sweet. Include as much detail as needed, but address only the specific information the lender requested. If you have an employment gap on your resume, be prepared to explain it to your lender. They may view you as high-risk if you have a history of employment gaps. Lenders may request a letter of explanation if you have gaps in your employment history.