Mortgage LOX Maker: Child Support / Alimony Letter
Make your own Letter of Explanation (LOX) for child support or alimony obligations. Create a support payment confirmation letter for mortgage applications. Generate instant PDFs for your lender with digital signature capture.
Your Information
Letter Preview
I, {{borrowerName}}, confirm that I am obligated to pay ${{monthlyAmount}} per month in {{supportType}} as required by court order dated {{courtOrderDate}} (case #{{supportCaseNumber}}, {{jurisdiction}}). {{#paymentStatus}}Payments are {{paymentStatus}} as agreed.{{/paymentStatus}} Supporting documentation is attached.
Certification:
I certify that the information above is true and correct.
{{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 A Child Support And Alimony Letter
New Child Support Order
You recently received a court order for child support payments that affects your debt-to-income ratio.
Alimony Obligation
You're required to pay spousal support as part of your divorce settlement.
Modified Support Amount
Your support payment amount was recently modified by the court.
Temporary Support Order
You have a temporary support order while divorce proceedings are ongoing.
Voluntary Support Payments
You're making voluntary support payments that aren't court-ordered but affect your finances.
Common Scenarios Requiring Multiple Letters
Child Support + Divorce Settlement:
- Use this child support/alimony letter to document support payments
- Use our non-borrowing spouse letter if spouse issues affect the loan
How to Use This Child Support And Alimony 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 |
|---|---|
| Court order for support payments | Provides additional verification and context for your situation |
| Divorce decree with support terms | Provides additional verification and context for your situation |
| Payment history records | Provides additional verification and context for your situation |
| Bank statements showing payments | Provides additional verification and context for your situation |
| Payroll deduction authorization | Provides additional verification and context for your situation |
Frequently Asked Questions
When will I need a child support letter?
Your loan officer will request a child support letter if you have court-ordered support payments that affect your debt-to-income ratio.
How do support payments affect mortgage qualification?
Child support and alimony payments count as debt obligations in your debt-to-income ratio calculation.
What if I'm behind on support payments?
Being in arrears may affect mortgage qualification. You'll be asked to explain your payment status and plan for bringing payments current.
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