Templates & Scripts — Capital Mortgage Source

This section contains every communication template, voicemail script, and checklist used at CMS. These are production-ready — copy, personalize lightly, and send. The goal is consistent, professional borrower and realtor communication without starting from scratch every time. A loan officer who communicates well closes more loans and gets more referrals. Use these.

Last updated: 2026-02-25 | Owner: Operations Manager Personalization notes: Replace [BORROWER NAME], [LO NAME], [PHONE], [EMAIL], [DATE], and other bracketed items before sending. Do not send with placeholders.

Section 1: Borrower Communication Templates#

1.1 Initial Inquiry Response#

Use when: A new lead comes in — whether from your website, a referral, or a realtor introduction. Send within 4 business hours of receiving the inquiry.

Subject: Thanks for Reaching Out — Here's What Comes Next | Capital Mortgage Source

Hi [BORROWER NAME],

Thank you for reaching out to Capital Mortgage Source — I'm glad you did.

My name is [LO NAME], and I'm a licensed mortgage loan originator here in Oregon. I'd love to help you [purchase a home / refinance your current mortgage / explore your options — choose one].

To get started, I'd suggest a quick 15-20 minute phone call so I can learn a little about your situation and give you some real numbers. There's no cost and no commitment to that conversation — just information so you can make the best decision.

Here's a little about what to expect from CMS:

• We're a mortgage broker — which means we shop dozens of lenders on your behalf to find the best rate and terms for your specific situation
• We handle everything in-house and communicate proactively — you'll always know where your loan stands
• Most of our loans close in 30-45 days

I'm available [YOUR AVAILABLE TIMES — e.g., "Monday through Friday, 9am-6pm"] and happy to call at whatever time works best for you. You can also reach me directly at [PHONE] or reply to this email.

Looking forward to connecting,

[LO NAME] Mortgage Loan Originator | NMLS #[NMLS ID] Capital Mortgage Source | NMLS #[CMS NMLS ID] [PHONE] | [EMAIL] ops.cmsoregon.com

Equal Housing Lender. Licensed in Oregon.

1.2 Pre-Approval Issued Email#

Use when: You've completed the full pre-approval review (docs reviewed, credit pulled, preliminary underwriting done) and are issuing a pre-approval letter.

Subject: Your Pre-Approval is Ready — [BORROWER NAME]

Hi [BORROWER NAME],

Great news — I've completed your pre-approval review and your letter is attached.

Here's a summary:

• Pre-Approved Amount: Up to $[LOAN AMOUNT]
• Loan Type: [Conventional / FHA / VA]
• Estimated Rate: [RATE]% (rates change daily — this is today's estimate; your actual rate will be set at rate lock)
• Estimated Monthly Payment: $[PAYMENT] (includes principal, interest, estimated taxes, insurance, and [PMI if applicable])

A few important notes:

• This pre-approval is based on your current documentation and credit. It is not a commitment to lend — final approval is subject to a satisfactory appraisal and final underwriting review.
• Pre-approvals are valid for 90 days from today's date. After 90 days, we'll need to refresh your credit and confirm documentation is still current.
• If anything changes — new job, new debt, large deposit, change in income — let me know before you make an offer. These things matter.

What happens next: Once you find a property you love and your offer is accepted, contact me right away so we can get the application finalized, the appraisal ordered, and the timeline locked in. In a competitive market, speed matters — I'm ready to move fast with you.

Questions? Call or text me at [PHONE] anytime.

Let's find you a home,

[LO NAME] Mortgage Loan Originator | NMLS #[NMLS ID] Capital Mortgage Source | NMLS #[CMS NMLS ID] [PHONE] | [EMAIL]

1.3 Document Request — Initial#

Use when: Sending the initial documentation request after a borrower has confirmed they want to move forward.

Subject: Documents Needed to Get Your Loan Moving — [BORROWER NAME]

Hi [BORROWER NAME],

I'm excited to get your loan underway. To complete your application and get your file into processing, I need a few documents from you. The faster we get these, the faster we move.

Please gather and upload the following through your secure document portal: (I'll send you a separate email with your portal login — check your inbox)

[SELECT APPLICABLE CHECKLIST BELOW AND PASTE:]

FOR W-2 EMPLOYEES:

• Most recent 2 years of W-2 forms (from all employers)
• Most recent 30 days of pay stubs (all jobs — all pages)
• Most recent 2 months of bank statements — ALL accounts (checking, savings, investment) — ALL pages (if your statement says "Page 2 of 4," I need all 4 pages)
• Government-issued photo ID — front AND back (driver's license or passport)

FOR SELF-EMPLOYED BORROWERS:

• Most recent 2 years of personal tax returns (all schedules, all pages — the full return, not just the 1040 summary)
• Most recent 2 years of business tax returns (if applicable — all schedules)
• Year-to-date Profit & Loss statement (if your CPA can prepare this, even better)
• Most recent 3 months of business bank statements (all accounts, all pages)
• Most recent 2 months of personal bank statements (all accounts, all pages)
• Government-issued photo ID — front AND back

A note on bank statements: Please download the full statement directly from your bank's website — not a screenshot, not a PDF you've edited. The lender needs to see the actual statement with the bank header and all transaction pages. If it says "Page 3 of 7" and you only send 3 pages, it will come back as a condition and slow us down.

If you have any of the following, let me know and we'll discuss:

• Gift funds being used for down payment or closing costs
• A co-borrower (spouse, partner, family member) who will be on the loan
• Rental income from other properties
• Child support or alimony (paid or received)
• Any recent large deposits > $[AMOUNT]

If you have questions about any of these, call me at [PHONE]. I'd rather answer questions now than have a condition later.

Here's a link to your secure document portal: [ARIVE PORTAL LINK]

Let's get this done,

[LO NAME] NMLS #[NMLS ID] | [PHONE] | [EMAIL]

1.4 Document Request Follow-Up — 3 Days#

Use when: It's been 3 business days since the initial document request and documents haven't arrived.

Subject: Quick Follow-Up — Documents for Your Loan

Hi [BORROWER NAME],

Just checking in — I sent you a document request a few days ago for your mortgage file, and I want to make sure you received it and don't have any questions.

The sooner we have your documents, the sooner we can get your file into processing and keep our timeline on track.

If you've run into any questions or trouble with the portal, I'm happy to help — just reply here or call me at [PHONE].

If there's a particular document that's hard to track down, let me know. Sometimes there's a faster way to get what we need.

[LO NAME] [PHONE] | [EMAIL]

1.5 Document Request Follow-Up — 7 Days#

Use when: It's been 7 days and documents are still outstanding.

Subject: We Need Your Documents to Keep Moving — [BORROWER NAME]

Hi [BORROWER NAME],

I want to be straightforward with you: I haven't received the documents needed to advance your mortgage application, and it's been about a week since I sent the request.

I understand life gets busy — but I want to make sure you know that without these documents, I can't complete your file or lock your rate. If we have a target closing date, we need to move now to hit it.

Still outstanding: [LIST SPECIFIC MISSING DOCUMENTS]

If something has changed — if you've decided to hold off on the purchase, or if there's a problem I should know about — please just let me know. I'd rather know now than have the timeline slip without warning.

You can upload directly to your portal: [ARIVE PORTAL LINK]

Or call me now at [PHONE] and we can work through it together.

[LO NAME] NMLS #[NMLS ID] | [PHONE] | [EMAIL]

1.6 Processing Update — Weekly#

Use when: Sending a routine weekly update to a borrower in processing or underwriting.

Subject: Weekly Update on Your Loan — [PROPERTY ADDRESS or FILE NAME]

Hi [BORROWER NAME],

Here's a quick update on where your loan stands:

Current Status: [e.g., "In underwriting with [LENDER NAME]. We submitted your file on [DATE] and expect an initial decision within [X] business days."]

What's happening now: [e.g., "The underwriter is reviewing your complete file. No additional information is needed from you at this time." OR "We received a conditional approval — my processor is working on clearing [X] condition(s). I'll reach out if I need anything from you."]

Target closing date: [DATE] — [On track / We may need to discuss timeline — I'll call you this week]

What I need from you right now: [Nothing at this time — I'll reach out when I do. OR: [SPECIFIC REQUEST with deadline]]

Questions? Call or text me at [PHONE]. I'll be in touch either way before this time next week.

[LO NAME] [PHONE] | [EMAIL]

1.7 Rate Lock Confirmation#

Use when: A rate lock has been confirmed. Send same day as lock.

Subject: Your Rate is Locked — [BORROWER NAME]

Hi [BORROWER NAME],

Your mortgage rate is now locked. Here are the details:

What this means: Your rate is guaranteed by the lender through the expiration date. As long as we close before [EXPIRATION DATE], this is your rate — regardless of what the market does between now and then.

What you need to know:

• We are targeting a closing date of [CLOSING DATE]. This gives us [X] days of buffer within your lock period.
• I'll monitor this closely. If anything threatens the timeline, I'll let you know immediately so we can decide whether to extend the lock.
• Lock extensions are available but typically cost a price adjustment. The goal is to close on time.

If you have questions about your rate or the lock, call me at [PHONE].

[LO NAME] NMLS #[NMLS ID] | [PHONE] | [EMAIL]

1.8 Clear to Close Notification#

Use when: CTC has been received from the lender. Send same day.

Subject: 🎉 Clear to Close — [BORROWER NAME]

Hi [BORROWER NAME],

You've reached the finish line — your loan has received Clear to Close from the lender. This is the green light.

Here's what happens next:

Step 1: Closing Disclosure I'm issuing your final Closing Disclosure (CD) today. By law, you must receive and review this document at least 3 business days before closing. Please check your email and portal for it — and review it carefully. If anything looks different from what you expected, contact me immediately.

Step 2: Your Closing Appointment

• Date: [CLOSING DATE]
• Time: [TIME]
• Location: [TITLE/ESCROW COMPANY NAME AND ADDRESS]
• Who to call if anything changes: [TITLE COMPANY CONTACT + PHONE]

Step 3: What to Bring to Closing

• Government-issued photo ID (driver's license or passport)
• Funds to close: $[AMOUNT] — [via cashier's check payable to [TITLE COMPANY] / via wire — I'll follow up separately with wire instructions]
• Any documents requested by the title company (they'll reach out if they need anything)

Important — Wire Fraud Warning: If I or anyone else emails you wire instructions, call me directly before wiring any money to confirm the instructions are legitimate. Wire fraud targeting home buyers is unfortunately common. My direct number: [PHONE]. We'll verify any wire instructions by phone — no exceptions.

Congratulations — you've worked hard to get here. I'll see you at the closing table.

[LO NAME] NMLS #[NMLS ID] | [PHONE] | [EMAIL]

1.9 Closing Day Instructions#

Use when: Sending the morning-of or day-before closing reminder.

Subject: Closing Day — What You Need to Know | [BORROWER NAME]

Hi [BORROWER NAME],

Your closing is [TODAY / TOMORROW]. Here's everything you need to know:

Closing Details:

• When: [DATE] at [TIME]
• Where: [TITLE/ESCROW NAME] — [ADDRESS]
• What to bring: Photo ID + [cashier's check for $[AMOUNT] payable to [TITLE COMPANY] / wire confirmation if you wired funds]
• Title company contact: [NAME] at [PHONE] if you have trouble finding the office

What to expect: You'll be signing a stack of loan documents — the closing agent will walk you through each one. Plan for 45-90 minutes. Don't be alarmed by the volume; it's standard.

For purchases: If you haven't done the final walkthrough of the property yet, do it before the closing appointment if at all possible. Once you sign, the transaction is complete.

If anything comes up this morning: Call me immediately at [PHONE]. Do not call the title company without talking to me first if there are any last-minute concerns about the loan.

Wire fraud reminder: If you receive any last-minute emails about changing wire instructions — call me before doing anything. This is a common fraud tactic.

You're almost there. I'll be available all day today if you need me.

[LO NAME] [PHONE] | [EMAIL]

1.10 Post-Close Thank You + Referral Ask#

Use when: 24-48 hours after the loan has funded.

Subject: Congratulations — You're a Homeowner! | [BORROWER NAME]

Hi [BORROWER NAME],

It's official — your loan has funded and [your new home is yours / your refinance is complete]. Congratulations.

It was genuinely my pleasure to work with you on this. [Personalize with one specific positive thing: e.g., "You navigated a competitive market with a lot of grace" or "You were so organized with your documents — it made everything run smoothly."]

A couple of things to know as you settle in:

Your first payment is due [DATE] — you'll receive information from [LENDER/SERVICER NAME] about how to set up payments. If you don't receive that information within 2 weeks, contact me.

Keep your closing documents in a safe place. Your HUD-1 or Closing Disclosure will be relevant at tax time and any time you refinance or sell.

My ask: If you found this process smooth and stress-free, I'd be grateful if you'd share that with anyone you know who's thinking about buying or refinancing. A referral from a happy client is the greatest compliment I can receive — and I'll take care of them the same way I took care of you.

If you ever want to leave a review, [Google / Zillow] is where it helps me most: [REVIEW LINK]

Wishing you many happy years in your home.

With gratitude,

[LO NAME] NMLS #[NMLS ID] | [PHONE] | [EMAIL] Capital Mortgage Source

Section 2: Realtor Communication Templates#

2.1 Introduction Email — New Referral Partner#

Use when: Introducing yourself to a real estate agent for the first time.

Subject: Mortgage LO Who Actually Communicates — [LO NAME] at CMS

Hi [AGENT NAME],

My name is [LO NAME] and I'm a loan originator at Capital Mortgage Source here in Oregon. I'm reaching out because [how you found them — e.g., "I saw your listing on [street] and was impressed by how you positioned it" / "a mutual contact, [NAME], suggested I reach out"].

I want to earn your business — but I know that's done through results, not promises. Here's what I offer agents who work with me:

• Pre-approvals that hold up — I don't issue letters on stated income or before I've reviewed documentation. Your clients arrive at the offer table with a pre-approval that won't fall apart in underwriting.
• Communication that doesn't require chasing — I send weekly updates on every active file without being asked. You'll always know where your buyer's loan stands.
• Fast closings — Most of my files close in 30-45 days. I know your clients need to close, and I treat timelines as commitments.
• A direct line — My cell is [PHONE]. I answer calls and texts from agents.

I'd love to buy you coffee and learn more about your business. Are you free [OFFER TWO SPECIFIC TIMES]?

I look forward to meeting you.

[LO NAME] Mortgage Loan Originator | NMLS #[NMLS ID] Capital Mortgage Source | NMLS #[CMS NMLS ID] [PHONE] | [EMAIL]

2.2 Pre-Approval Delivery to Realtor#

Use when: Delivering a buyer's pre-approval to their agent.

Subject: Pre-Approval — [BORROWER NAME] — Ready to Write Offers

Hi [AGENT NAME],

Attached is the pre-approval letter for your buyer, [BORROWER NAME].

Summary:

• Pre-Approved Amount: Up to $[LOAN AMOUNT]
• Loan Type: [Conventional / FHA / VA]
• Down Payment: [X]%
• Pre-Approval Valid Through: [DATE — typically 90 days]

What I've reviewed: Income documentation, credit (tri-merge pulled [DATE]), assets. This is a complete pre-approval, not a pre-qualification. These buyers are ready to write offers.

Notes for your offers:

• [If relevant: "They have flexibility on close date" / "They're targeting a 30-day close" / "They're using gift funds — documented and confirmed"]
• [If FHA/VA: "This is an FHA loan — the property needs to meet FHA condition standards. Let me know if you have questions about property eligibility."]

If you win an offer and need a purchase-price-specific letter, call or text me at [PHONE] and I can have an updated letter to you within the hour during business hours.

I'll be your point of contact on this loan from application through closing. My goal is to make your job easy. Looking forward to working with you.

[LO NAME] [PHONE] | [EMAIL] | NMLS #[NMLS ID]

2.3 Weekly Update to Realtor#

Use when: Sending weekly status updates on a purchase transaction.

Subject: Weekly Loan Update — [BORROWER NAME] / [PROPERTY ADDRESS]

Hi [AGENT NAME],

Here's your weekly update on [BORROWER NAME]'s purchase of [PROPERTY ADDRESS]:

On track / Issues to flag: [Write one sentence: "Everything is on track for a [DATE] closing." OR "We hit a snag with [SPECIFIC ISSUE] — I'm working on a resolution and will have an update by [DATE]."]

What I need from you or the seller's side (if anything): [Nothing at this time. OR: "Please confirm whether the seller will accept [specific request related to closing date, possession, etc."]

My cell is [PHONE] for anything urgent.

[LO NAME]

2.4 Under Contract Congratulations#

Use when: A buyer goes under contract and you're beginning the loan process.

Subject: Under Contract — Let's Get to Work | [BORROWER NAME]

Hi [AGENT NAME],

Congratulations on getting [BORROWER NAME] under contract on [PROPERTY ADDRESS]! Let's get to closing.

Key dates from the purchase agreement:

• Close of Escrow: [DATE]
• Inspection Contingency: [DATE]
• Loan Contingency: [DATE]

My plan:

• Today: Finalize loan application with borrowers, begin document collection
• This week: Order appraisal, issue Loan Estimate disclosures
• Target submission to UW: [DATE]
• Target CTC: [DATE — typically 7-10 days before close]

I'll send weekly updates every [DAY] so you're never left wondering. If anything changes that affects our timeline, I'll call you directly — same day.

Appraisal access: Can you coordinate with the listing agent to ensure the appraiser can access the property? The appraisal is ordered through the lender — I'll follow up with access scheduling details once the lender confirms the order. Typical turnaround is [X] business days.

Let's make this one smooth.

[LO NAME] [PHONE] | [EMAIL]

2.5 Clear to Close — Realtor Notification#

Use when: CTC received — notify the agent immediately.

Subject: 🟢 Clear to Close — [BORROWER NAME] / [PROPERTY ADDRESS]

Hi [AGENT NAME],

We have Clear to Close on [BORROWER NAME]'s purchase of [PROPERTY ADDRESS].

Confirmed closing date: [DATE] at [TIME] with [TITLE/ESCROW COMPANY]

I've issued the Closing Disclosure to the buyers and confirmed they've received it. The 3-business-day review period clears [DATE].

Closing coordinator at [TITLE COMPANY]: [NAME] | [PHONE]

Funds to close confirmation: Buyers have confirmed [cashier's check / wire] for $[AMOUNT]. Wire verification call scheduled.

Please coordinate with the sellers on final walkthrough timing and key handoff procedures with the closing agent.

Congratulations — we made it. Looking forward to a smooth signing.

[LO NAME] [PHONE] | [EMAIL]

2.6 Post-Close Thank You to Realtor#

Use when: 1-2 days after funding, follow up with the agent.

Subject: Funded — Thank You for Trusting Me with Your Client

Hi [AGENT NAME],

[BORROWER NAME]'s loan funded [TODAY / YESTERDAY]. Congratulations on a successful close.

Thank you for trusting me with your client. It was a pleasure working with you on [PROPERTY ADDRESS]. [Add one specific genuine note: e.g., "Your communication was excellent throughout — you made my job easy" or "Navigating that last-minute appraisal issue together was stressful but we got it done."]

I hope this is the first of many transactions together. I'm always looking to earn more of your business — and the way I do that is by making your buyers' experience seamless.

If you have any buyers who need a pre-approval, I'm ready. And if you ever have a question about a buyer's mortgage eligibility before showing them a property — that's what I'm here for.

[LO NAME] [PHONE] | [EMAIL] | NMLS #[NMLS ID]

Section 3: Voicemail Scripts#

Read these aloud before using them. Speak slowly and clearly — especially when leaving your phone number. Pause after giving your number and repeat it.

3.1 Initial Lead Follow-Up Voicemail#

Use when: Calling a new lead for the first time and they don't answer.

3.2 Document Request Follow-Up Voicemail#

Use when: Following up on outstanding documents by phone.

3.3 Rate Lock Expiration Warning Voicemail#

Use when: Lock expiration is 10 days out and closing is at risk.

3.4 Closing Day Check-In Voicemail#

Use when: Leaving a morning-of-closing message if you can't reach the borrower.

Section 4: Checklists#

Print these and use them on every transaction. Checklists catch what memory misses.

4.1 Pre-Qualification Document Checklist#

Borrower Name: _________________________ Date: _____________

W-2 Employed

• 2 years W-2s (all employers, all years)
• 30 days pay stubs (all employers, all pages)
• 2 months bank statements — ALL accounts (ALL pages)
• Government-issued photo ID — front AND back
• Credit authorization signed

Self-Employed (in addition to above)

• 2 years personal tax returns (all schedules, all pages)
• 2 years business tax returns (if applicable)
• YTD P&L statement
• 3 months business bank statements (all pages)

Additional Income

• Social Security / pension award letter (if applicable, within 12 months)
• Child support / alimony documentation (if using as qualifying income)
• Rental income: lease agreements + 2 years tax returns (Schedule E)
• Investment income: most recent 2 years 1099s

Assets

• Down payment source confirmed: savings / gift / retirement / sale of property
• If gift: gift letter template provided to borrower
• If large deposits (>50% monthly income): source documented

Notes:

4.2 Purchase Transaction Checklist#

Borrower: _________________________ Property: _________________________ LO: _________________________ Target Close: _____________

Pre-Qualification / Application

• Credit authorization obtained (signed, dated)
• Credit pulled (date: _________)
• Full income + asset docs collected
• 1003 complete and signed by all borrowers
• TRID — LE issued (date: _________)
• TRID — LE delivery method: [ ] Portal [ ] Email [ ] Mail
• Intent to proceed confirmed (date: _________)
• Referral source logged in Arive
• File created in Arive with correct naming convention

Processing

• Purchase agreement uploaded (all pages, all addenda)
• Appraisal requested to lender (date: _________) Lender order #: __________
• Appraisal received through lender portal (date: ) Value: $__ Uploaded to Arive: [ ]
• Title ordered (date: _________)
• Title received / reviewed
• HOI (homeowner's insurance binder) received
• Flood determination obtained
• Rate locked (date: _________) Rate: _______% Expiration: _________
• Rate lock confirmation uploaded to Arive
• Borrower notified of rate lock
• Pre-submission checklist completed
• File submitted to processing (date: _________)

Underwriting

• File submitted to lender (date: _________) Lender loan #: __________
• AE name: _________________________
• Conditional approval received (date: _________)
• Conditions list reviewed with processor
• LO-responsibility conditions completed
• PTD conditions cleared (date: _________)
• PTF conditions identified and plan in place
• CTC received (date: _________)
• CTC uploaded to Arive

Closing

• CD generated and issued (date: _________)
• CD delivery method: [ ] Portal [ ] Email [ ] Hand-delivered
• 3-business-day window confirmed: CD received date _______ / Closing date _______ ✓
• Closing appointment confirmed with title/escrow
• Borrower closing instructions sent
• Wire fraud advisory given to borrower (logged in Arive)
• Final walkthrough reminder sent to borrower
• Funding confirmed (date: _________)
• Arive status updated to "Funded"

Post-Close

• Post-close thank you sent (date: _________)
• Referral ask made
• 30-day follow-up task set in CRM
• Annual check-in reminder set in CRM

4.3 Refinance Transaction Checklist#

Borrower: _________________________ Property: _________________________ Loan Purpose: [ ] Rate/Term Refi [ ] Cash-Out Refi LO: _________________________ Target Close: _____________

Pre-Application

• Current mortgage statement reviewed (payoff estimate)
• Break-even analysis completed (months to recoup closing costs)
• Borrower intent to proceed confirmed
• Credit authorization obtained

Application

• 1003 complete and signed
• TRID — LE issued (date: _________)
• Intent to proceed confirmed (date: _________)
• Full income + asset documentation collected

Processing

• Payoff demand ordered (date: _________)
• Appraisal ordered or PIW confirmed: [ ] Appraisal [ ] PIW
• If appraisal: ordered (date: _________) received (date: __) value: $
• Title ordered (date: _________)
• HOI confirmation (existing coverage confirmed / updated binder received)
• Rate locked (date: _________) Rate: _______% Expiration: _________
• Lock confirmation uploaded + borrower notified

Underwriting

• File submitted to lender (date: _________) Lender #: __________
• Conditional approval received (date: _________)
• Conditions cleared
• CTC received (date: _________)

Closing / Rescission

• CD issued (date: _________) — Delivery method: [ ] Portal [ ] Email
• 3-business-day window confirmed: CD received _______ / Closing date _______ ✓
• Closing appointment confirmed with title/escrow
• Right of Rescission period: 3 business days from signing — expires: _______
• Borrower informed of right to rescind and rescission expiration date
• No rescission received by expiration date: confirmed [ ]
• Funding confirmed (date: _________)
• Arive status updated to "Funded"

Post-Close

• Post-close thank you sent
• First payment date communicated to borrower
• Referral ask made

4.4 Condition Clearing Tracker#

File: _________________________ UW Submission Date: _____________ Lender: _________________________ Loan #: _____________

All PTD conditions cleared: _______ (date) All PTF conditions cleared: _______ (date) CTC received: _______ (date)

Notes:

These templates are starting points — they should sound like you, not like a form letter. Personalize with the borrower's name, their specific situation, and genuine human touches. A template that sounds like a template defeats the purpose.