Mortgage LOX Maker: Name Affidavit / AKA Letter
Make your own Letter of Explanation (LOX) for name variations or changes. Create a name affidavit letter for mortgage identity verification. Generate instant PDFs for your lender with digital signature capture.
Your Information
Letter Preview
I, {{borrowerName}}, confirm that the following names all refer to me:
Alternate Legal Names:
{{#each nameVariations}}
- {{this}}
{{/each}}
I certify that these names are all variations of my legal name and belong to the same individual. Supporting documentation is attached.
{{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 Name Affidavit Letter
Maiden Name vs Married Name
Your credit report shows both your maiden name and married name from before and after marriage.
Nickname vs Legal Name
You've used a nickname professionally or personally that differs from your legal name.
Middle Initial Variations
Some documents show your full middle name while others use just the initial or no middle name.
Hyphenated Name Changes
You've used both hyphenated and non-hyphenated versions of your name.
Professional Name Usage
You use a different name professionally than your legal name for business purposes.
Common Scenarios Requiring Multiple Letters
Name Change + Address Discrepancy:
- Use this name affidavit letter to document name changes
- Use our address discrepancy letter to explain address differences
- Use our citizenship/residency letter if name change relates to immigration
How to Use This Name Affidavit 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 |
|---|---|
| Marriage certificate (if name changed) | Provides additional verification and context for your situation |
| Divorce decree (if name restored) | Provides additional verification and context for your situation |
| Driver's license with current name | Provides additional verification and context for your situation |
| Social Security card | Provides additional verification and context for your situation |
| Passport or other government ID | Provides additional verification and context for your situation |
Frequently Asked Questions
When will I need a name affidavit letter?
Your loan officer will request a name affidavit letter if different names appear on your credit report, bank statements, or mortgage documents.
What name variations should I include in the letter?
Include maiden names, married names, nicknames, names with or without middle initials, and any other variations you've used.
How long does name verification take?
Most name affidavit letters are reviewed and accepted within a day of submission with proper supporting documents.
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