Mortgage LOX Maker: Employment Gap Letter

Make your own Letter of Explanation (LOX) for employment gaps. Explain periods of unemployment and current job stability for mortgage applications. Generate instant PDFs for your lender with digital signature capture.

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Your Information

Borrower Name*

Borrower Email Address*

Borrower Phone Number*

Lender Name*

Gap Start Date*

Gap End Date*

Reason for Gap*

What You Did During Gap*

Current Employer*

Current Employment Start Date*

Borrower Signature*

Signature Date*

Letter Preview

To: {{lenderName}}

I, {{borrowerName}}, confirm that I was unemployed between {{startDate}} and {{endDate}} due to {{gapReason}}.

During this time, {{gapExplanation}}.

I am currently employed with {{currentEmployer}} since {{currentStartDate}} and expect this employment to continue.

{{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

Borrower Name*

Borrower Email Address*

Borrower Phone Number*

Lender Name*

Gap Start Date*

Gap End Date*

Reason for Gap*

What You Did During Gap*

Current Employer*

Current Employment Start Date*

Borrower Signature*

Signature Date*

When To Use An Employment Gap Letter

Company Layoffs or Closures

Your employer downsized, restructured, or went out of business. This happens frequently in economic downturns and is generally understood by lenders.

Industry or Career Transition

You left your job to change careers, pursue education, or transition to a new industry. Include any training or certifications you completed during this time.

Family Caregiving Responsibilities

You took time off to care for a newborn, elderly parent, or sick family member. This is a common and acceptable reason for employment gaps.

Personal Health Issues

You needed time off for surgery, medical treatment, or recovery from illness. Focus on your current health and ability to work.

Extended Job Search

You were selective in finding the right position and took longer than expected. Emphasize that you're now employed and stable.

Common Scenarios Requiring Multiple Letters

Job Loss + Severance Package:

Use this employment gap letter to explain the unemployment period
Use our large deposit letter to explain severance pay deposits
Use our source of funds letter to document the severance as income

Career Change + New Business:

Use this employment gap letter to explain the transition period
Use our self-employment business loss letter if business closure caused the gap

Family Care + Financial Support:

Use this employment gap letter to explain the caregiving period
Use our rent-free living letter if living rent-free during gap

How to Use This Employment Gap 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
Current employment verification letter	Confirms you're now employed and shows income stability
School transcripts or certificates (if applicable)	Proves you were furthering your education during the gap
Medical documentation (if health-related)	Verifies legitimate health reasons for time off work
Layoff notice or termination letter	Shows the gap was due to company actions, not performance

Employment Gap Letter Questions

Common questions about employment gap letters and how they affect your mortgage application.

How long of an employment gap requires a letter?

Lenders typically want explanation for employment gaps of 30 days or more, especially if they happened within the past 2 years.

When in the loan process will I need an employment gap letter?

Your loan officer will request an employment gap letter (also called a hardship letter or explanation letter) during underwriting if there's a gap in your work history.

What happens after I submit an employment gap letter?

The underwriter will review your letter along with supporting documents to determine if the gap affects your loan approval.

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