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[Music] hi my name is Alex credits with agustin show comm youve heard the word ello ex from a loan officer lets not award it section of radiation or l OE l OE l o ex they mean letter of explanation or letter you know they both mean a lot of explanation but the yellow e stands for a letter explanation l o X is our abbreviation so if you hear someone say give me an L o X so if you watch this video youre never going to say what what does that mean but a lot of our borrowers ask us that because we are so used to talking in that language that we forget that our hours dont know what that means so L o X means a lot of explanation so whats a letter of explanation so underwriters are gonna ask for a lot of explanation on many different things for example if you share a bank statement with your spouse and shes not going on the loan they have to write a letter allowing you to have full access to the funds in the joint bank account it has to address the bank account name a number and you hav
