Mortgage Letter of Explanation (LOE or LOX) Hub

Lenders often ask for a letter of explanation for something they see when reviewing your mortgage application. From large deposits to long commutes, and even the nature of your relationship to someone else, underwriters can ask for just about anything.

These templates will help you craft your letter of explanation (LOE or LOX) and also provide context on why a lender asks for each one.

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Sample Letter of Explanation for a Mortgage – Word, PDF, Google Sheets Template

Use this template to write a letter of explanation for a mortgage. This is what underwriters really want to see.

More Letter of Explanation Templates

Sample Letter of Explanation for Commute: Word and Google Doc Templates

This downloadable sample letter of explanation for commute will help with loan approval despite buying far from you....

Mortgage Letter of Explanation for Remote Work: Word, PDF, Google Doc Templates

This sample mortgage letter of explanation for remote work will give your employer a good template with which to pr....

Sample Letter Explaining a Gap in Employment for a Mortgage Loan – Word, PDF, Google Doc Templates

Download this sample letter explaining a gap in employment for your mortgage loan underwriter to clarify reasons fo....

Sample Letter of Explanation for Large Deposit – Free Download: Word, PDF, Google Doc Templates

Download this sample letter of explanation for a large deposit and modify it for your home purchase or refinance.....

Sample Gift Letter for Mortgage: Downloadable PDF, Word, Google Doc Templates

Get a sample gift letter for mortgage and download your editable template. Works for any lender, any loan type.....

Sample Letter of Explanation of Relationship For A Mortgage – Word, PDF, Google Sheets Template

Use these templates if your lender asks for a letter of explanation of a relationship. Plus, why they are asking.....

Sample Letter of Explanation For Credit Inquiries for a Mortgage [Template]

Word doc, Google Doc, and fillable PDF templates for a letter of explanation for credit inquiries when applying for....

Sample Letter of Explanation For Derogatory Credit For A Mortgage

This sample letter of explanation for derogatory credit for mortgage applications will help you show recovery from ....

Sample Letter of Explanation for Cash-Out Refinance – Free Download: Word, PDF, Google Doc

Considering a cash-out refinance? Prepare to supply a letter of explanation. Not all underwriters ask for one, but ....

Mortgage Letter of Explanation for Address: Word & Google Doc Templates

Your mortgage underwriter will sometimes ask for a letter of explanation (LOE) for addresses found in your loan fil....