Address Change Explanation Letter Template
Free template to explain an address change to banks, lenders, employers, and government agencies. Professional format with customizable reasons.
Mortgage underwriters, credit card companies, and government agencies often request a letter of explanation for address discrepancy when your application shows gaps or frequent moves. This address change explanation letter template helps you document your move clearly and professionally, whether you're responding to an underwriter's request or proactively explaining your address history. Keep the information factual and consistent with your applications.
Common Use Cases
- Mortgage and loan applications requiring address history
- Credit application address discrepancy explanations
- Government benefit applications (SSA, VA, etc.)
- Background check address verification
- Employment applications with address gaps
- Insurance policy address updates with explanation
Address Change Explanation Template
[Your Name] [Your New Address] [City, State ZIP Code] [Your Phone Number] [Your Email Address] [Date] [Recipient Name] [Company/Organization Name] [Their Address] [City, State ZIP Code] RE: Explanation of Address Change Dear [Recipient Name/To Whom It May Concern]: I am writing to notify you of my recent change of address and provide an explanation for the update to my records. PREVIOUS ADDRESS: [Your Previous Street Address] [Previous City, State ZIP Code] Dates at this address: [Move-in Date] to [Move-out Date] NEW ADDRESS (Effective [Date]): [Your New Street Address] [New City, State ZIP Code] REASON FOR ADDRESS CHANGE: [Select and customize as applicable] ☐ Employment Relocation: I accepted a new position with [Company Name] in [City/State], which required relocating to be closer to my workplace. ☐ Family Circumstances: [Briefly explain - marriage, divorce, caring for family member, etc.] ☐ Housing Situation: [Lease expiration, home purchase, rental change, etc.] ☐ Military Orders: I have received Permanent Change of Station (PCS) orders to [Location]. ☐ Educational Purposes: I am relocating to attend [School/University Name]. ☐ Financial Reasons: [Briefly explain if necessary for the application/request] ☐ Other: [Provide your specific explanation] I can provide documentation to verify this address change if required, including: - Utility bills at new address - Lease agreement or mortgage documents - Government-issued mail - Bank statements showing new address Please update your records accordingly. If you need any additional information or documentation to process this address change, please contact me at [Phone Number] or [Email Address]. Thank you for your attention to this matter. Sincerely, ____________________________ [Your Full Legal Name] Enclosures (if applicable): - Proof of new address - [Other supporting documents]
How to Use This Template
- 1
State your previous address
Include your complete previous address including dates you lived there. Double-check your formatting using our envelope addressing guide to avoid errors.
- 2
Provide your new address
List your new complete address and when the change became effective. Make sure your address matches what you submitted on your USPS change of address form.
- 3
Explain the reason for moving
Select the appropriate reason and add details specific to your situation.
- 4
Offer to provide documentation
Mention what supporting documents you can provide if the organization needs verification.
- 5
Include contact information
Provide your phone number and email so they can follow up with questions.
- 6
Send with proof of delivery
For mortgage applications or legal matters, send via certified mail to create a delivery record you can reference later.
Frequently Asked Questions
When do I need to write an address change explanation letter?
You may need an explanation letter when applying for credit, loans, government benefits, or jobs when your address history shows gaps or frequent changes. Banks, landlords, and government agencies often request explanations for address changes.
What reasons are acceptable for explaining an address change?
Common acceptable reasons include employment relocation, military orders, educational pursuits, family changes (marriage, divorce, caring for relatives), lease expiration, home purchase, or financial circumstances.
What documents can I provide to support my address change explanation?
Supporting documents include utility bills, lease agreements, mortgage statements, bank statements, driver's license, voter registration, government correspondence, or employer verification letters showing your new address.
How detailed should my address change explanation be?
Keep your explanation concise but include the essential facts: previous address, new address, date of move, and reason for the change. Only include as much detail as necessary for the specific request.
Should I send an address change explanation via certified mail?
For important matters like mortgage applications, legal proceedings, or government correspondence, sending via certified mail provides proof of delivery and shows you take the matter seriously.
Can I email my address change explanation instead of mailing it?
While email may be acceptable for informal requests, high-stakes situations like mortgage applications, legal matters, or government correspondence benefit from certified mail or another form of provable delivery. This creates a documented record that you submitted the letter and when it was received.
This template is provided for general informational purposes only and does not constitute legal advice. Consult a qualified professional for advice specific to your situation.
Need to Send This Address Change Letter?
Send your address change explanation letter via USPS Certified Mail with tracking for important financial or legal correspondence.
Send Certified Mail