Mortgage LOX Maker: Property Occupancy Letter
Make your own Letter of Explanation (LOX) for property occupancy intent. Confirm whether property is primary residence, second home, or investment. Generate instant PDFs for your lender with digital signature capture.
Your Information
Letter Preview
I, {{borrowerName}}, confirm that the property located at {{propertyAddress}} is being purchased as {{intendedUse}}.{{#if occupancyTimeline}} I intend to occupy this home within {{occupancyTimeline}} of closing and will use it as my permanent residence.{{/if}}{{#if isInvestment}} This property will be rented to tenants.{{/if}}
{{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 Property Occupancy Purpose Letter
Second Home Purchase
You're buying a vacation home or weekend retreat that you'll use occasionally.
Investment Property
You're purchasing rental property to generate income from tenants.
Future Primary Residence
You're buying a home now but plan to move into it as your primary residence later.
Seasonal Residence
You're purchasing property in a different climate zone for seasonal living.
Family Property
You're buying property near family that you'll use for visits and extended stays.
Common Scenarios Requiring Multiple Letters
Investment Property + Occupancy:
- Use this second home/investment property letter to explain property use
- Use our property disrepair letter if property needs repairs
How to Use This Property Occupancy Purpose 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 |
|---|---|
| Property management agreements (if investment) | Provides additional verification and context for your situation |
| Rental market analysis | Provides additional verification and context for your situation |
| Current residence documentation | Provides additional verification and context for your situation |
| Financial reserves verification | Provides additional verification and context for your situation |
| Occupancy timeline documentation | Provides additional verification and context for your situation |
Frequently Asked Questions
When will I need a property occupancy letter?
Your loan officer will request a property occupancy letter if there's uncertainty about how you plan to use the property.
What's the difference between primary, second home, and investment property?
A primary residence is the home where you live most of the time. A second home is a property you use for vacations or visits, not as your main home. An investment property is a home you buy to rent out to tenants for income.
Can I change my mind about property use after closing?
You must use the property as stated initially. Changing use may violate loan terms and could result in loan default.
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