Mortgage LOX Maker: Divorce / Separation Letter
Make your own Letter of Explanation (LOX) for divorce or separation. Explain marital status changes and support obligations for mortgage applications. Generate instant PDFs for your lender with digital signature capture.
Your Information
Letter Preview
I, {{borrowerName}}, confirm that I am legally {{maritalStatus}} as of {{divorceDate}}. Per the divorce decree, {{supportObligations}}
{{debtResponsibility}}
A copy of my divorce decree and support order is attached for your records.
{{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 Divorce And Separation Letter
Recent Divorce Finalized
Your divorce was recently finalized and you need to explain changes in income, assets, or debts.
Ongoing Separation
You're legally separated but not yet divorced, affecting your financial situation.
Support Obligations
You have new child support or alimony obligations that affect your debt-to-income ratio.
Asset Division Impact
Division of marital assets affected your down payment funds or credit accounts.
Name Change Issues
Your divorce involved a name change that creates discrepancies in your credit or documents.
Common Scenarios Requiring Multiple Letters
Divorce + Financial Settlement:
- Use this divorce/separation letter to explain the divorce circumstances
- Use our derogatory credit letter to address divorce-related credit issues
- Use our large deposit letter if settlement funds were deposited
Divorce + Child Support:
- Use this divorce/separation letter to explain the divorce
- Use our non-borrowing spouse letter if spouse is excluded from loan
How to Use This Divorce And Separation 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 |
|---|---|
| Final divorce decree | Provides additional verification and context for your situation |
| Court orders for support payments | Provides additional verification and context for your situation |
| Property settlement agreements | Provides additional verification and context for your situation |
| Bank statements showing asset division | Provides additional verification and context for your situation |
| Employment verification with new status | Provides additional verification and context for your situation |
Frequently Asked Questions
When will I need a divorce letter?
Your loan officer will request a divorce letter if your divorce affects your income, debts, or asset ownership for the mortgage.
How does divorce affect mortgage qualification?
Divorce may change your income, debt obligations, and asset ownership. Lenders will want to understand your current finances before issuing an approval.
Can I qualify for a mortgage right after divorce?
Yes, if you can demonstrate stable income and meet debt-to-income requirements with your new financial situation.
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