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.

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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:

  1. Use this address discrepancy letter to explain address differences
  2. Use our name affidavit letter to document name changes
  3. Use our citizenship/residency letter if address relates to residency status

How to Use This Address Discrepancy Letter Generator

1

Gather Your Information

Collect all necessary details and supporting documentation before starting the generator.

2

Complete the Form

Fill out all required fields in the generator. The preview will update in real-time as you type.

3

Review and Sign

Review your letter for accuracy, add your digital signature, and download the PDF.

4

Submit to Your Lender

Send the completed letter to your loan officer along with any supporting documentation.

Supporting Documents Your Lender May Need

DocumentWhat It Tells Your Lender
Recent utility bills at current addressProvides additional verification and context for your situation
Bank statements showing addressProvides additional verification and context for your situation
Driver's license or state IDProvides additional verification and context for your situation
Lease agreement or mortgage statementProvides additional verification and context for your situation
USPS change of address confirmationProvides 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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