Letter Of Explanation: How To Make Yours Stand Out!

Key Takeaways:

  1. Understanding the Purpose: Recognizing the importance of a letter of explanation in various contexts.
  2. Structuring Your Letter: Key components for an effective letter.
  3. Personalizing Your Approach: How to tailor your letter to your specific situation.
  4. Common Mistakes to Avoid: Ensuring your letter is clear and professional.
  5. Step-by-Step Guide: Easy-to-follow instructions for crafting your letter.
  6. Real-Life Examples: Gaining insights from personal experiences.
  7. Template for Success: A basic template to get you started.

As someone who has navigated the often intimidating world of writing letters of explanation, I’ve come to appreciate their unique role in communication. 

Whether it’s for a mortgage application, addressing an issue at work, or clarifying a situation to a loved one, these letters can make a significant difference. 

In this article, I’ll share my experiences, offer a step-by-step guide, and provide a template to help you craft your own effective letter.

The Importance of a Letter of Explanation

Real-Life Scenario: When applying for my first mortgage, I was asked to provide a letter of explanation for a gap in my employment. This was a crucial step in clarifying my situation to the lender and securing my loan.

Why It Matters: Such letters offer a chance to provide context, clarify misunderstandings, and convey sincerity. They can be pivotal in decision-making processes, affecting outcomes in both professional and personal arenas.

Structuring Your Letter

  1. Greeting: Address the recipient appropriately.
  2. Introduction: Briefly state the purpose of your letter.
  3. Body: Provide a detailed explanation of the situation.
  4. Conclusion: Summarize and offer additional assistance or contact information.

Tip: Keep it concise and focused on the relevant facts.

Personalizing Your Approach

Example: In my letter to the mortgage lender, I not only explained the employment gap but also highlighted my consistent record of financial responsibility.

Strategy: Tailor your letter to address the specific concerns of the recipient. Use a tone that reflects your relationship with them, whether formal or informal.

Common Mistakes to Avoid

  • Being Too Vague: Specificity is key to a clear understanding.
  • Over-Explaining: Stay focused on the relevant details.
  • Neglecting Proofreading: Errors can undermine your credibility.

List of Dos and Don’ts:

Be clear and conciseUse jargon or complicated language
Tailor the contentIgnore the recipient’s concerns
Proofread for errorsRush the writing process

Step-by-Step Guide: Crafting Your Letter

  1. Identify the Purpose: Understand why you’re writing the letter.
  2. Gather Facts: Collect all relevant information and dates.
  3. Draft the Letter: Follow the structure outlined above.
  4. Customize and Personalize: Make it relevant to your situation.
  5. Review and Revise: Check for clarity and conciseness.
  6. Proofread: Eliminate any grammatical or spelling errors.
  7. Send it Off: Ensure it reaches the right hands in a timely manner.

Template for a Letter of Explanation

[Your Name]
[Your Address]
[City, State, Zip Code]
[Email Address]
[Phone Number]

[Recipient’s Name]
[Recipient’s Position/Title]
[Company/Organization Name]
[Company/Organization Address]
[City, State, Zip Code]

Dear [Recipient’s Name],

Subject: Explanation Regarding [Specific Issue/Situation]

I am writing this letter to provide an explanation regarding [briefly state the issue or situation]. I understand the importance of clarity in this matter and appreciate the opportunity to present my side of the story.

[In the first paragraph, briefly introduce what the letter is about. Be concise and directly address the issue or situation you are explaining.]

In regard to the [specific issue/situation], I would like to provide the following details: [Provide a detailed, factual account of the situation. If applicable, include specific dates, events, and any relevant information that can help clarify the situation. 

Be honest and straightforward in your explanation, and avoid unnecessary details that do not contribute to a clearer understanding of the issue.]

[If there are any supporting documents or evidence that can substantiate your explanation, mention them here. You can state that these documents are attached to the letter or available upon request.]

I hope this letter helps to provide a clearer understanding of [repeat the specific issue/situation]. I am committed to resolving this matter and am open to any further discussions or actions that may be required.

Please feel free to contact me at [your phone number] or [your email address] if you need any additional information or clarification. I am more than willing to cooperate in any way necessary to resolve this matter.

Thank you for taking the time to consider my explanation. I look forward to your understanding and a positive resolution to this issue.


[Your Name]

[Attachments (if any)]


Writing a letter of explanation doesn’t have to be daunting. With a clear structure, a personalized approach, and attention to detail, you can effectively convey your message. Remember, these letters are more than just formalities; they are opportunities to build understanding and trust.

Comments and Feedback

I’d love to hear about your experiences with writing letters of explanation. What challenges have you faced? Do you have any additional tips? Please share your thoughts in the comments below!

Frequently Asked Questions (FAQs)

A professional and inviting office setting with a person sitting at a desk, writing a letter

Q: What Is a Letter of Explanation?

Answer: A Letter of Explanation is a personal document you provide to clarify a specific situation or address potential concerns. It’s often used in financial contexts like mortgage applications or credit inquiries, but it can also be useful in professional or educational settings. 

For instance, when I applied for my mortgage, I was asked to explain a gap in my employment history. This letter was my opportunity to provide context and reassure the lender about my financial stability.

Q: How Detailed Should a Letter of Explanation Be?

Answer: It should be detailed enough to clearly address the specific issue or concern, but also concise. When I wrote mine for a loan application, I made sure to include relevant dates and factual details about my employment gap, without going into unnecessary personal stories. 

The key is to be direct and to the point, providing just enough information to clarify the situation.

Q: Who Needs to Write a Letter of Explanation?

Answer: Anyone who faces a situation where clarification is needed might need to write one. For example, I had to write one during my home loan process. It’s also common in immigration processes, credit report discrepancies, or job applications. 

Basically, if there’s a gap, inconsistency, or something in your profile that might raise questions, a letter of explanation is your chance to clear things up.

Q: Can a Letter of Explanation Impact Loan Approval?

Answer: Absolutely. In my experience, a well-written letter can make a big difference. For instance, when applying for my mortgage, the letter I provided played a crucial role in explaining my financial history and assuring the lender of my creditworthiness. 

It’s a chance to present your case and potentially sway the decision in your favor.

Q: What Tone Should I Use in a Letter of Explanation?

Answer: The tone should be formal and respectful, but also sincere. When I wrote mine, I aimed to be straightforward and professional, yet personal enough to convey my honesty and commitment to resolving any concerns. 

Remember, the goal is to build trust with the reader, whether it’s a lender, employer, or official.

Q: How Long Should a Letter of Explanation Be?

Answer: It should be as brief as possible while still providing all necessary details. For my mortgage explanation letter, I kept it to one page. 

This length is usually sufficient to cover the essentials without overwhelming the reader with too much information. Stick to the facts that directly relate to the concern or query raised.

Q: What Should I Avoid in a Letter of Explanation?

Answer: Avoid being vague, overly emotional, or providing irrelevant details. In my letter, I focused solely on the facts related to my employment gap, avoiding any emotional appeals or unrelated personal information. 

It’s also crucial to proofread for grammar and spelling errors, as these can undermine your credibility.

1 thought on “Letter Of Explanation: How To Make Yours Stand Out!”

  1. An invaluable resource for crafting clear and impactful letters of explanation, blending practical advice with real-world examples. It’s a must-read for anyone looking to master this essential communication skill.

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