Mortgage LOX Maker: Citizenship / Residency Letter
Make your own Letter of Explanation (LOX) for citizenship or residency status. Confirm your legal status for mortgage qualification. Generate instant PDFs for your lender with digital signature capture.
Your Information
Letter Preview
I, {{borrowerName}}, am providing this letter to confirm my legal status for mortgage qualification.
Status:
Citizenship / Residency: {{statusType}}
Country of Citizenship: {{countryOfCitizenship}}
Supporting Document: {{citizenshipDocumentType}}
Explanation:
{{citizenshipExplanation}}
I certify that the information above is true and correct, and that I have the legal right to live and work in the United States and to purchase property here.
{{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 Citizenship And Residency Letter
Permanent Resident Status
You're a permanent resident (green card holder) and need to confirm your legal status.
Work Visa Holder
You're in the US on a work visa and need to document your legal authorization to purchase property.
Naturalized Citizen
You recently became a US citizen and need to confirm your citizenship status.
Dual Citizenship
You hold citizenship in multiple countries and need to clarify your US status.
Asylum or Refugee Status
You have asylum or refugee status and need to document your legal right to purchase property.
Common Scenarios Requiring Multiple Letters
Citizenship + Employment Verification:
- Use this citizenship/residency letter to confirm legal status
- Use our employment gap letter if citizenship process caused work delays
- Use our source of funds letter to document income sources
How to Use This Citizenship And Residency 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 |
|---|---|
| US passport or naturalization certificate | Provides additional verification and context for your situation |
| Green card or permanent resident card | Provides additional verification and context for your situation |
| Work authorization document (EAD) | Provides additional verification and context for your situation |
| Visa documentation | Provides additional verification and context for your situation |
| Social Security card | Provides additional verification and context for your situation |
Frequently Asked Questions
When will I need a citizenship letter?
Your loan officer will request a citizenship letter if your lender needs clarification of your legal status to purchase property.
Can non-citizens get mortgages in the US?
Yes, permanent residents and some non-permanent residents with work authorization can qualify for mortgages.
How long does citizenship verification take?
Most citizenship letters are reviewed and accepted within a day of submission with proper supporting documents.
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