Tucson AZ Home Loan Info


My Lender Says I Need To Write A "Motivation" Letter To Complete My File...

To Whom It May Concern at the Veterans Administration:

My VA lender tells me that you need a “motivation letter” to complete my file.  What next?! 

OK, here’s the story.  I have gotten to that age where a warm climate in Arizona beats the heck out of three feet of snow in Wisconsin.  Most people get there long before my age, but I guess you could say that this military man has a little stubborn streak.   I believe I'm tougher than most, but this stupid loan game is wearing me down.

Our home here in Milwaukee is free and clear.  It’s paid for.  It’s mine.  I might sell it, or I might not.  I might just want to keep it and rent it out and enjoy the income.  Like I said, it’s paid for.  (I’ll bet that’s more than you can say for yours…)

My wife and family have already moved to Arizona, and I’m looking forward to joining them. 

You might say that I’m motivated.



I'm Mike in Tucson, your preferred Tucson Mortgage Lender.

NMLS #223495

SUNSTREET MORTGAGE llc ~ Correspondent Mortgage Bank
Offices (AZ) Mesa, Tucson, Nogales, and Albuquerque, NM.

Comment balloon 22 commentsMike Jones • November 12 2010 10:17PM


Mike, I am not sure if that is from one of your clients or not, but it is succinct and pretty understandable.  Motivation?  Really, why? 

Posted by Suzanne McLaughlin, Sabinske & Associates, Realtor (Sabinske & Associates, Inc. (Albertville, St. Michael)) about 10 years ago


if the lender wants a motivational letter just give them one.

Good luck and success.

Lou Ludwig

Posted by Lou Ludwig, Designations Earned CRB, CRS, CIPS, GRI, SRES, TRC (Ludwig & Associates) about 10 years ago

Anytime you are retaining a home, an underwriter is usually going to ask for a motivational letter.  There is just too much fraud still with someone saying they are buying a new primary residence when its really in investment property.

Posted by Rodney Mason, VP of Mortgage Lending - AL, FL, GA, SC, & TN (Guaranteed Rate NMLS# 2611) about 10 years ago

I had to smile as I read that letter. ..all the way from the cold winters to the family already moved...and the, " You might say that I'm motivated. Oourah!"

Posted by ASHEVILLE REALTY REFERRAL RESOURCE 828-776-0779, CONTACT janeAnne365@gmail.com ( REAL ESTATE REFERRAL NETWORK ) about 10 years ago

We sell most of our home with VA financing.    Never knew that this letter was called a "motivation" letter, but makes sense.  

Posted by Jerry Wright Homes, Inc. (New Homes for Sale Killeen Copperas Cove Ft Hood TX) about 10 years ago

So, I'm assuming the underwriter is CYA for a buyer who lives out of state and wants to move to paradise.  Since it's a local underwriter, we already know the great area we live in.  But, one time, 27 years ago, this underwriter got audited by someone who couldn't make it as an underwriter because they have absolutely no common sense and this underwriter got "written up". 

Unfortunately, this is so typical.  I once had a loan from a buyer who had a high rise in Chicago and wanted to buy a 5 acre estate out in the country.  The underwriter asked me for the same thing.  My buyer wrote a one liner - because I want to be able to mow the grass on the weekend and smell that wonderful smell.  LOL

Posted by Juli Vosmik, Scottsdale/Cave Creek, AZ real estate 480-710-0739 (Dominion Fine Properties) about 10 years ago

Mike, that sounds motivated enough to me.  What is more motivated than wanting to join the rest of the family?

Posted by Rita Fong, Realtor - Marion Arkansas Homes for Sale (RE/MAX REAL ESTATE TODAY, Executive Broker 901-488-9590 ) about 10 years ago

Mike, that is weird..not the letter (made me smile) but a motivation letter???

Never heard of it, why did he want one to complete the file?

Posted by Missy Caulk, Savvy Realtor - Ann Arbor Real Estate (Missy Caulk TEAM) about 10 years ago

Mike, what a colossal waste of money and time.

Posted by Andrea Swiedler, Realtor, Southern Litchfield County CT (Berkshire Hathaway HomeServices New England Properties) about 10 years ago

Mike, thanks for posting this, what a joke. Clearly we have way too many people employed by the government, but we already knew that. I just didn't realize it had gotten this bad...

Posted by Gerry Michaels, GettysburgGerry Social Meida (Glasswork Media Arts) about 10 years ago

Thanks for sharing this motivational letter with us today. We would like to see more of your Wisconsin humor this morning. We are the Government and we are here to HELP.

Posted by Harry F. D'Elia III, Investor , Mentor, GRI, Radio, CIPS, REOs, ABR (RentVest) about 10 years ago

Mike..I think That is motivation!!!


Posted by Hannah Williams, Expertise NE Philadelphia & Bucks 215-820-3376 (HomeStarr Realty) about 10 years ago

Hi Mike, this is a new one for me- I've never heard of a motivation letter, but I enjoyed reading this one.

Posted by Mary Douglas, REALTOR, Red Feather Lakes, Colorado (United Country Ponderosa Realty, Red Feather Lakes, Colorado) about 10 years ago

Mike it starts out as ridiculous and then turns to ludicrous, and it's justified because there's a paper in the file. Our tax dollars at work.

Posted by Ed Silva, Central CT Real Estate Broker Serving all equally (Mapleridge Realty, CT 203-206-0754 ) about 10 years ago

Mike ... I'm forwarding via email your post to both of our state senators.  What can they do about it?  I don't know ... but I'd think they should probably be trying to find out.  Thanks for sharing!

Posted by Jack Mossman - The Nines Team at Keller Williams in Lodi, The Nines Team in Lodi (The Nines Team at Keller Williams in Lodi) about 10 years ago


Did VA require a lender to obtain to a "motivation letter" from a borrower?

I've not encountered this as part of my clients' VA loan processing..


Posted by 1~Judi Barrett, BS Ed, Integrity Real Estate Services -IDABEL OK (Integrity Real Estate Services 118 SE AVE N, Idabel, OK 74745) about 10 years ago

How's that for motivation?  I hate to even this is a requirement.

Posted by Charita Cadenhead, Serving Jefferson and Shelby Counties (Alabama) (eXp Realty) about 10 years ago

Mike - closed several transactions with VA loansthis year and this is the first time I have heard about a "motivation letter". Unless this is the letter that is stating that the buyer will make the new home the  primary residence.

Posted by Mike Saunders (Lanier Partners) about 10 years ago


The reason for a Motivation Letter is that VA only lends for a buyer's primary residence.  With money so cheap, and prices so low, there's been a fair amount of fraud, with people buying a house, saying it's a primary residence, and it's really a rental property.  Not good!  VA is now showing up unannounced after the buyer closes to see who answers the door.  If it's a renter, it's fraud.

Mike in Tucson

Posted by Mike Jones, Mike Jones NMLS 223495 (SUNSTREET MORTGAGE, LLC (BK-0907366, NMLS 145171) ) about 10 years ago

Mike,  Glad to see your followup.  Those were the reasons I felt the letter was requested.  Underwriters are being extra cautious by asking for statements like these to protect themselves.  With the Letter in file they show they addressed a possible question and not merely assumed something.   

Posted by Tim Bradford, NMLS 250013 about 10 years ago

Mike, a motivational letter?  For getting a loan or for paying it off?  Geeze!

Posted by Patricia Kennedy, Home in the Capital (RLAH Real Estate) about 10 years ago

A motivational letter is necessary to obtain a loan? I have heard of some crazy things, but this takes the cake!

Posted by Barbara-Jo Roberts Berberi, MA, PSA, TRC - Greater Clearwater Florida Residential Real Estate Professional, Palm Harbor, Dunedin, Clearwater, Safety Harbor (Charles Rutenberg Realty) about 10 years ago

This blog does not allow anonymous comments