Mortgage LOX Maker: Self-Employment Verification Letter
Make your own Letter of Explanation (LOX) for self-employment verification. Confirm your business ownership and operation timeline for mortgage applications. Generate instant PDFs for your lender with digital signature capture.
Your Information
Letter Preview
I, {{borrowerName}}, certify that I am self-employed as the owner of {{businessName}}
My business has been in continuous operation since {{businessStartDate}} and remains active today.
{{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 Self-Employment Verification Letter
New Business Owner
You recently started your own business and need to verify your self-employment status.
Freelancer or Contractor
You work as an independent contractor or freelancer and need to document your work status.
Professional Practice
You own a professional practice (doctor, lawyer, accountant) and need employment verification.
Consultant or Advisor
You work as a consultant or advisor and need to verify your business operations.
Multiple Business Ownership
You own multiple businesses or have various income streams that need verification.
Common Scenarios Requiring Multiple Letters
Self-Employment + Business Income:
- Use this self-employment verification to confirm your business status
- Use our source of funds letter to document business income sources
- Use our large deposit letter to explain unusual business deposits
Business Loss + Employment Gap:
- Use this self-employment verification to explain business closure
- Use our self-employment business loss letter if your business closed
How to Use This Self-Employment Verification 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 |
|---|---|
| Business tax returns (2 years) | Provides additional verification and context for your situation |
| Year-to-date Profit & Loss statement | Provides additional verification and context for your situation |
| Business bank statements | Provides additional verification and context for your situation |
| Business license or registration | Provides additional verification and context for your situation |
| CPA letter confirming business status | Provides additional verification and context for your situation |
Frequently Asked Questions
When will I need a self-employment verification letter?
Your loan officer will request a self-employment verification letter if you're self-employed and the underwriter wants confirmation your business is active.
How long must my business be operating to qualify?
Most lenders prefer at least 2 years of business operation, though some programs allow shorter business history with strong financials.
Is a self-employment verification letter required for all self-employed borrowers?
No, some lenders rely on tax returns and financial statements and do not require a verification letter.
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