hey,
actually, what most schools require is the LORs from the recommender themselves. each school has different requirements for letters also, eg, who they want letters to be from. schools will tell you what they need from you, including money, when they give you a secondary. you need to wait with the letters, but make sure your recommenders are writing them. if you are this far already, no point in wasting time waiting for someone to get writin on your behalf. g'luck