Mortgage LOX Maker: Occupancy Affidavit
Make your own Letter of Explanation (LOX) for occupancy intent. Create an occupancy affidavit confirming your intent to live in the property. Generate instant PDFs for your lender with digital signature capture.
Your Information
Letter Preview
I, {{borrowerName}}, certify that I intend to occupy the property located at {{propertyAddress}} as my {{intendedUse}} within {{occupancyTimeframe}} of closing.
I further certify that I do not have any present intention to rent or lease the property.
I understand that this statement is a material representation, and any misrepresentation may constitute mortgage fraud and result in default under the terms of my loan.
{{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 An Occupancy Affidavit
Primary Residence Purchase
You're buying a home that you intend to live in as your main residence.
First-Time Home Buyer
You're purchasing your first home and need to confirm occupancy intent for loan approval.
Relocation for Work
You're moving to a new area for employment and buying a home to live in.
Family Size Change
Growing family or changing needs require you to purchase a larger primary residence.
Rental to Ownership
You're transitioning from renting to owning and will occupy the property as your main home.
Common Scenarios Requiring Multiple Letters
Occupancy + Investment Property:
- Use this occupancy affidavit to confirm primary residence intent
- Use our property disrepair letter if property condition affects occupancy
How to Use This Occupancy Affidavit 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 |
|---|---|
| Employment verification in new area | Provides additional verification and context for your situation |
| Lease termination notice (if applicable) | Provides additional verification and context for your situation |
| Utility connection requests | Provides additional verification and context for your situation |
| School enrollment (if children) | Provides additional verification and context for your situation |
| Moving company estimates | Provides additional verification and context for your situation |
Frequently Asked Questions
When will I need an occupancy affidavit?
Your loan officer will request an occupancy affidavit for most primary residence loans to confirm you'll move in within 60 days.
What happens if I don't occupy the property as promised?
Failing to occupy the property as promised may constitute mortgage fraud and could result in loan default.
How long must I live in the property as my primary residence?
You must live in the property as your primary residence for at least 12 months before converting it to a rental.
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