Get your professional financial verification letter signed by a licensed Certified Public Accountant. Standard 2-to-3-day turnaround, or 24-hour expedited delivery, available across all 50 states.
Start my verification request nowA CPA verification letter (also known as a comfort letter) is an independent, third-party document signed by a licensed Certified Public Accountant that confirms specific financial details about an individual or business. These letters are required by mortgage underwriters, landlords, immigration officers, and lenders to verify income, self-employment status, business ownership, or operating expenses.
Choose the service that matches the exact document requested of you to view requirements, pricing, and turnaround times.
For self-employed borrowers, freelancers, and business owners whose underwriters have requested a "CPA Comfort Letter" or "Verification of Self-Employment" to approve a home loan.
View mortgage letter requirements →For freelancers, contractors, or business owners who need to prove their independent income or net earnings to a property manager or landlord to meet lease qualifications.
View rental letter requirements →For international investors, entrepreneurs, visa applicants, and U.S. sponsors needing to certify active business capitalization, self-employment income, or source of funds to USCIS.
View USCIS letter requirements →For business owners applying for working capital, lines of credit, or SBA loans requiring independent CPA verification of business status, ownership, or stability.
View business loan letter requirements →For self-employed home buyers applying for bank statement mortgages where the lender requires a CPA-certified business overhead expense percentage.
View expense ratio requirements →For custom legal contracts, court proceedings, insurance underwriting, or other private financial verifications requiring objective CPA attestation.
View custom verification requirements →Match your situation to the right letter, the documents we'll request, and how fast we can deliver your signed, certified document.
| Letter type | Target use case | Essential documents needed | Turnaround |
|---|---|---|---|
| Mortgage Comfort | Home loans, underwriting | 2 years of filed tax returns, current YTD P&L | 24–48 hours |
| Rental Income | Apartment & lease apps | 2 years of tax returns, 3 months of bank statements | 24–48 hours |
| Visa & USCIS | Immigration, E-2/EB-5 visas | Source of funds evidence, business bank records | 3–5 days |
| SBA & Business | Commercial credit lines | Corporate tax returns, operating agreements | 2–3 days |
| Expense Ratio | Bank statement mortgages | 12–24 months of consecutive bank statements | 24–48 hours |
| Third-Party | Legal, custom contracts | Specific to the custom verification request | 48–72 hours |
Our verification letters are drafted in strict accordance with the AICPA Code of Professional Conduct and Treasury Circular 230 guidelines. We confirm factual, historical financial data — such as filed tax returns and active business ownership. Because we utilize the exact compliant language that mortgage underwriters and lenders trust, our letters help keep your file moving forward without regulatory delays.
We make clearing your underwriting simple, secure, and entirely stress-free. Follow these 4 easy steps:
Fill out an intake form outlining exactly what type of letter your lender, landlord, or agency requires.
A member of our CPA team will contact you to review your request and confirm the engagement.
Upload your tax returns, financial statements, or other supporting documents through our secured client portal.
Review your document and receive your final, signed PDF letter on official CPA firm letterhead within 1–2 business days after receiving all required information.
They are essentially the same document, just used by different industries:
While each letter is customized to your lender's or landlord's exact request, a standard letter confirms:
They need independent, professional assurance that you actually earn what you claim. Because freelancers and business owners don't have standard W-2 paystubs, underwriting guidelines require a licensed third party — a CPA — to verify that your business is active and your tax filings are accurate.
To draft and sign your letter, we typically require:
Yes. We provide CPA letter services to clients in all 50 states. Under standard US CPA mobility laws, our active professional licensure allows us to perform independent tax consulting and verification services nationally.
