---
title: "Notarizing a mortgage gift letter (gifting letter) in NJ"
description: "Gift letters, also called gifting letters, for mortgage down payments: when lenders ask for notarization, who signs, and how to get it done quickly in New…"
url: "https://mcc-solutionsnj.com/notary/documents/gift-letter"
---

Real estate · Updated October 5, 2026

# Notarizing a mortgage gift letter (gifting letter) in NJ

When a family member gives money toward a home purchase, the lender usually wants a signed gift letter stating that the money is a gift and doesn't have to be repaid.

By [Matthew Coleman](/about), MCC Solutions

[Book a notary](/notary/#order)[Call (908) 444-6373](tel:+19084446373)

✓ New Jersey commissioned notary, no. 50244803, insured for errors and omissions. [See the credentials](/about/credentials)

![Matthew Coleman, founder of MCC Solutions](/img/matthew-coleman.jpg)

**Matthew Coleman**, NJ Notary Public and NNA Certified Loan Signing Agent. Cranford, NJ. Fee confirmed before your session. Card charged only after it is complete. We aim to confirm within 15 minutes, 7am to 9pm.

## When it needs a notary

Not every lender requires notarization, but some ask for it. Check with your loan officer, because requirements vary by lender and loan type.

Have a closing coming up? [The closing package (signing, scanbacks and courier)](/notary/packages/closing-package).

The notary witnesses the signature and takes the notarial act the lender specifies. We can't write the letter, but your lender will usually give you the form.

## Speed matters

Gift letters often come up late in the process, close to a closing deadline. We offer fast scheduling, evenings and weekends, and remote online notarization when the lender accepts it.

## What to bring

The lender's gift letter form, completed but not signed, and government photo ID for the donor. We're based in Cranford and send mobile notaries to homes, offices and care facilities in Union and Middlesex counties, including Cranford, Westfield, Elizabeth, Edison and Woodbridge. For other counties, tell us the address and we'll confirm availability before you book.

## Common questions

**Who signs the gift letter?**

Usually the person giving the money, and often the buyer too. Follow your lender's form.

**Can this be notarized online?**

Often yes with remote online notarization, if your lender accepts it. Ask them first.

**How fast can you do it?**

Call the desk with the address and deadline. Same-day appointments are sometimes possible; we confirm before you book.

This page is general information, not legal advice. A notary can't draft documents or advise you on their contents. Ask your attorney or the office requesting the document what you need.

How we can help

[### Mobile Notary A mobile notary near you in New Jersey, at your home, office, hospital or job site. Affidavits, powers of attorney, vehicle titles and business documents. Book online. Mobile notary →](/notary/mobile-notary)[### Loan Signing Agents Certified loan signing agents for purchase, refinance, HELOC and reverse mortgage closings across New Jersey. Evening and weekend signings, scanbacks tracked. Loan signing agent →](/notary/loan-signing-agent)[### Remote Online Notarization (RON) Notarize documents online over secure video with a New Jersey notary. ID verification, electronic seal and a recorded session. Book a RON session. Remote online notary →](/notary/remote-online-notarization)

Related documents

[### Notarizing a quitclaim deed What to know →](/notary/documents/quitclaim-deed)[### Notarized letters and affidavits What to know →](/notary/documents/notarized-letter-and-affidavit-of-identity)[### Notarizing an LLC operating agreement What to know →](/notary/documents/operating-agreement-and-corporate-resolutions)[### Notarizing a commercial lease or business contract What to know →](/notary/documents/commercial-lease-and-business-contracts)

Before your appointment

- [Printable checklist for this document](/notary/appointment-checklist?doc=gift-letter)

[All documents](/notary/documents)

Do it yourself

### NJ First Home Purchase Checklists

The paperwork side of buying your first New Jersey home, from first lender call to keys.

[See what's inside ($15)](/toolkits/nj-first-home-purchase-checklists) [Free sample](/toolkits/nj-first-home-purchase-checklists#free-starter)14-day full refund

## Need it notarized? Send it to the desk.

[Book Now](/notary/#order)[Call (908) 444-6373](tel:+19084446373)