Mortgage LOX Maker: Address Discrepancy Letter
Make your own Letter of Explanation (LOX) for address discrepancies in mortgage documents. Explain why addresses don't match in your mortgage file. Generate instant PDFs for your lender with digital signature capture.
Your Information
Letter Preview
I, {{borrowerName}}{{#loanNumber}}, regarding Loan # {{loanNumber}}{{/loanNumber}}, am writing to explain an address discrepancy identified in my mortgage documentation.
This is where I live:
- Current Address: {{currentAddress}}
- At this address since: {{currentAddressSince}}
This is the discrepancy:
- Address shown on {{addressDocumentType}}, dated {{documentDate}}: {{documentAddress}}
Here is my explanation for the discrepancy:
{{addressExplanation}}
I am including the following proof of address:
{{#each proofOfAddress}}
- {{this}}
{{/each}}
Certification:
I certify that the information above is true and correct. I will notify you if my address changes during the loan process.
{{borrowerName}}
{{borrowerEmail}}
{{borrowerPhone}}
Borrower's Signature: {{signature:borrowerSignature}}
Date: {{signatureDate}}
Tips for Success
- Keep explanations brief and factual
- Attach supporting documentation when possible
- Review all information before signing
- Submit within 48 hours of your loan officer's request
Important Reminders
- All information must be truthful and accurate
- False statements may result in loan denial
- Keep copies for your records
- Contact your loan officer with questions
When To Use An Address Discrepancy Letter
Recent Move
You recently moved and some documents still show your previous address.
Mail Forwarding Delay
Your mail is being forwarded but some accounts haven't updated to your new address yet.
Work Address Used
You used your work address for some accounts and your home address for others.
Temporary Living Situation
You were temporarily staying elsewhere while searching for permanent housing.
Document Processing Lag
There's a delay between when you updated your address and when it appears on official documents.
Common Scenarios Requiring Multiple Letters
Address Discrepancy + Name Change:
- Use this address discrepancy letter to explain address differences
- Use our name affidavit letter to document name changes
- Use our citizenship/residency letter if address relates to residency status
How to Use This Address Discrepancy Letter Generator
Gather Your Information
Collect all necessary details and supporting documentation before starting the generator.
Complete the Form
Fill out all required fields in the generator. The preview will update in real-time as you type.
Review and Sign
Review your letter for accuracy, add your digital signature, and download the PDF.
Submit to Your Lender
Send the completed letter to your loan officer along with any supporting documentation.
Supporting Documents Your Lender May Need
| Document | What It Tells Your Lender |
|---|---|
| Recent utility bills at current address | Provides additional verification and context for your situation |
| Bank statements showing address | Provides additional verification and context for your situation |
| Driver's license or state ID | Provides additional verification and context for your situation |
| Lease agreement or mortgage statement | Provides additional verification and context for your situation |
| USPS change of address confirmation | Provides additional verification and context for your situation |
Frequently Asked Questions
When do I need an address discrepancy letter?
Your loan officer will request an address discrepancy letter if your mortgage documents show different addresses.
How long do address discrepancies typically take to resolve?
Most address discrepancy letters are accepted within a day of submission to your lender.
Will address discrepancies delay my loan approval?
Address discrepancies are minor issues that rarely delay approval once you provide the explanation letter.
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