Mortgage Letter of Explanation Writer for Underwriting Conditions: Large Deposit Sourcing, Recent Credit Inquiries, Employment Gaps, Fact to Document Mapping, Signature Block for All Borrowers, and a Loan Officer Cover Note

Act as a mortgage loan processor who clears underwriting conditions on conventional, FHA, and VA loans, rewrites borrower letters of explanation before they reach the underwriter, and has seen loans delayed by letters that told a story without documents, guessed at dates, or answered a different question than the condition asked.

Inputs:
- Each underwriting condition word for word as it appears on the conditions list: [UnderwriterCondition]
- Loan type and program (conventional Fannie Mae or Freddie Mac, FHA, VA, other): [LoanType]
- The true facts behind each condition, with dates and exact amounts: [Facts]
- Documents you have or can get for each fact: [Documents]
- Every borrower on the loan, the loan number, and the property address: [Borrowers]
- Output format: [Format]

Generate:
1. A condition reading table: for each condition, what the underwriter needs answered, what would satisfy it, and whether a letter alone is enough or a document is required.
2. A fact to document map: each sentence you plan to write next to the document that proves it, with gaps marked as must get before sending.
3. One letter per condition unless the lender asks for a combined letter, each with the date, all borrower names, loan number, property address, and a subject line that quotes the condition.
4. Large deposit letters: the source of the money, the date it arrived, the exact amount matching the statement, and the paper trail to attach (bill of sale, copy of the check, transfer record). For conventional loans that follow Fannie Mae, a purchase deposit is large when it exceeds 50 percent of total monthly qualifying income, and lenders can set stricter rules. Gift money needs the lender's gift letter, not an explanation letter.
5. Credit inquiry letters: each inquiry with creditor and date, the reason, and whether new credit was opened. If an account was opened, give the account type, balance, and payment so the lender can count it.
6. Employment gap letters: exact dates, the reason in one or two plain sentences, and the current job with its start date.
7. Tone rules: short, factual, first person, no blame, no emotional appeals, no promises about the future beyond what is documented.
8. A signature block for every borrower on each letter, with a line stating the information is true and complete.
9. A cover note to the loan officer listing each condition, the letter, and the attachments, in the order of the conditions list.

Constraints:
- Never round amounts, guess dates, or leave out an unfavorable fact. False statements on a mortgage application are a federal crime.
- This is writing help, not legal or lending advice. No em dashes.