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Mortgage Counter Offer Letter (Free Sample)

Use this sample mortgage counter offer letter as a template for your formal notification.


​Sample Mortgage Counter Offer Letter

Borrower’s Name
Borrower’s Address
City, State, Zip Code

DATE

Lender’s Name
Lender’s Bank or Lending Institution’s Name
Lender’s Address
City, State, Zip Code

RE: Counter offer for mortgage loan

Dear Lender’s Name:

This letter is a formal counter offer to the mortgage terms and conditions you sent me on DATE. I intend to make my mortgage payments on time, but I require lower monthly payments as my monthly income has reduced because my wife lost her job. 

The counter offer I am suggesting is DOWN PAYMENT AMOUNT and AMOUNT FOR LOAN. I believe this is fair for both of us. I understand that if you do not agree with this counter offer, your first offer may no longer be available. 

Thank you for your consideration in this matter. I look forward to a favorable reply from you. If you have any questions, I can be reached at Email Address or Phone Number. 

Sincerely,
​
Signature of Borrower
Printed Name of Borrower
​​
By Andre Bradley

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