Mortgage LOX Maker: Pending Litigation Letter
Make your own Letter of Explanation (LOX) for pending litigation. Explain ongoing legal cases and their impact on your mortgage application. Generate instant PDFs for your lender with digital signature capture.
Your Information
Letter Preview
I, {{borrowerName}}, confirm that I am currently involved in pending litigation (Case #{{litigationCaseNumber}}, {{courtName}}) as {{yourRole}}.
The case concerns {{caseDescription}}.
I do not expect this litigation to have a material impact on my financial ability to make my mortgage payments. 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 Pending Litigation Letter
Personal Injury Lawsuit
You're involved in a personal injury case either as plaintiff or defendant.
Contract Dispute
You have an ongoing business or contract dispute that's in litigation.
Property Dispute
You're involved in litigation over property boundaries, ownership, or damages.
Employment Lawsuit
You have pending litigation related to employment discrimination, wrongful termination, or workplace issues.
Divorce Litigation
You have ongoing contested divorce proceedings with financial implications.
Common Scenarios Requiring Multiple Letters
Pending Litigation + Credit Issues:
- Use this pending litigation letter to explain legal proceedings
- Use our derogatory credit letter to address related credit issues
- Use our source of funds letter to show financial stability
How to Use This Pending Litigation 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 |
|---|---|
| Court filing documents | Provides additional verification and context for your situation |
| Attorney representation letter | Provides additional verification and context for your situation |
| Case status documentation | Provides additional verification and context for your situation |
| Financial impact assessment | Provides additional verification and context for your situation |
| Insurance coverage information | Provides additional verification and context for your situation |
Frequently Asked Questions
When will I need a pending litigation letter?
Your loan officer will request a pending litigation letter if you disclose ongoing legal cases on your mortgage application.
Do I have to disclose all pending litigation?
Yes, you must disclose any pending litigation that could affect your financial situation or ability to repay the mortgage.
Will pending litigation disqualify me for a mortgage?
Not necessarily. Lenders evaluate the potential financial impact and your ability to handle any liability.
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