Mortgage LOX Maker: Non-Borrowing Spouse Letter
Make your own Letter of Explanation (LOX) for non-borrowing spouse situations. Confirm spouse acknowledgment for mortgage applications. Generate instant PDFs for your lender with digital signature capture.
Your Information
Letter Preview
I, {{spouseName}}, am the spouse of {{borrowerName}}, who is applying for a mortgage loan to purchase the property at {{propertyAddress}}.
I confirm that I am not applying as a co-borrower on this loan and will not be personally responsible for repayment of the mortgage.
{{borrowerName}}
{{borrowerEmail}}
{{borrowerPhone}}
Spouse's Signature: {{signature:spouseSignature}}
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 Non-Borrowing Spouse Letter
Community Property State
You live in a community property state where spouse acknowledgment is required even for solo applications.
Credit Score Difference
Only one spouse is applying due to significant credit score differences.
Income Qualification
One spouse's income alone is sufficient to qualify for the desired loan amount.
Debt Obligation Issues
One spouse has high debt obligations that would hurt the joint application.
Employment Stability
One spouse has more stable employment history for loan qualification purposes.
Common Scenarios Requiring Multiple Letters
Non-Borrowing Spouse + Divorce:
- Use this non-borrowing spouse letter to explain spouse exclusion
- Use our divorce/separation letter to explain divorce circumstances
- Use our child support/alimony letter if support payments are involved
How to Use This Non-Borrowing Spouse 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 | Provides additional verification and context for your situation |
| Spouse's ID or driver's license | Provides additional verification and context for your situation |
| Individual credit reports | Provides additional verification and context for your situation |
| Income documentation for applying spouse | Provides additional verification and context for your situation |
| State-specific disclosure forms | Provides additional verification and context for your situation |
Frequently Asked Questions
When will I need a non-borrowing spouse letter?
Your loan officer will request a non-borrowing spouse letter in community property states or when state law requires spouse acknowledgment.
Does the non-borrowing spouse become responsible for the mortgage?
No, the non-borrowing spouse has no legal obligation to repay the mortgage debt.
What other documents does the non-borrowing spouse need to sign?
Typically just this acknowledgment letter and possibly some closing documents, but the spouse doesn't sign the promissory note.
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