Samantha Reed
Creative Designs by Sam
123 Artistry Lane
Craftsville, CA 90210
Phone: (555) 246-8100
Email: sam@creativedesignsbysam.com
Date: March 10, 2025

Recipient:
Mr. Derek Shaw
Loan Officer
Community Credit Union
456 Lender Street
Craftsville, CA 90210

Salutation:
Dear Mr. Shaw,

Subject:
Verification of Income for Mortgage Application

Body:
I am writing to provide verification of my income in support of my application for a mortgage through Community Credit Union. As the owner and principal of Creative Designs by Sam, a registered freelance graphic design business, I have been self-employed since 2018 and have sustained a consistent income stream through various client projects.

Income Overview:

  • Business Name: Creative Designs by Sam
  • Nature of Business: Freelance Graphic Design Services
  • Annual Gross Income: $70,000 (average over the past three years)
  • Payment Methods: Client invoices, typically paid via bank transfer or check
  • Major Clients: Include local businesses, online retailers, and independent authors needing book cover designs

Additional Revenue Streams:

  • I also generate income through online courses on graphic design, which have contributed approximately $10,000 annually. This is in addition to my main business revenue and is paid directly into my business account.

Financial Documentation Attached:

  • To corroborate my declared earnings, I have attached copies of my Income Tax Returns for the last three years, which reflect my gross income and tax payments.
  • Additionally, included are the last six months of bank statements for my business account, showing income deposits from various clients and course payments.

Conclusion:
My business has shown steady growth over the past five years, and I have maintained good financial health, which ensures my ability to meet the mortgage obligations. I trust this letter provides a comprehensive view of my financial situation. Should there be any further information or documentation required, please feel free to contact me.

Closing:
Sincerely,

[Signature]
Samantha Reed
Owner, Creative Designs by Sam

Attachments:

  1. Income Tax Returns for the past three years
  2. Business bank statements for the last six months