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1. Date and Address Block: Current date and full contact details of the primary borrower, co-borrower, and lending institution
2. Subject Line: Clear identification that this is an Authorization Letter for Co-Borrower, including any relevant loan reference numbers
3. Formal Salutation: Professional greeting to the lending institution
4. Purpose Statement: Clear statement of the letter's purpose and the intent to authorize a co-borrower
5. Parties Identification: Full legal names, addresses, and identification details of both the primary borrower and co-borrower
6. Authorization Details: Specific powers and authorities being granted to the co-borrower
7. Loan Details: Reference to the specific loan or credit facility, including amount and purpose
8. Duration of Authority: Time period for which the authorization is valid
9. Declaration of Understanding: Statement confirming both parties understand their obligations and responsibilities
10. Closing and Signatures: Formal closing, spaces for signatures of both primary borrower and co-borrower, and date of signing
1. Specific Limitations: Any restrictions or limitations on the co-borrower's authority, used when the primary borrower wants to set specific boundaries
2. Property Details: Information about any property serving as security, included when the loan is secured against real estate
3. Witness Details: Space for witness signatures and details, used when additional verification is required by the lending institution
4. Previous Authorization Revocation: Statement revoking any previous authorizations, used when replacing an existing co-borrower arrangement
5. Emergency Contact Information: Additional contact details for both parties, included for high-value loans or at the bank's request
1. Identity Verification Documents: Copies of required identification documents for both primary borrower and co-borrower
2. Proof of Address: Recent utility bills or other documents proving current address for both parties
3. Credit Report Authorization: Separate authorization for the bank to check co-borrower's credit history
4. Relationship Declaration: Document explaining the relationship between the primary borrower and co-borrower, if required by the lending institution
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