Owner Occupancy Affidavit
Certify to your mortgage lender under oath that you will occupy the property you are financing as your primary residence. Lenders require this affidavit at closing because owner-occupied loans carry lower interest rates and different terms than second-home or investment-property loans, and misstating occupancy is mortgage fraud.
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Download a blank PDF template to print and complete manually.
Download Blank TemplateOwner Occupancy Affidavit Affidavit — Frequently Asked Questions
What is an owner occupancy affidavit for a mortgage?
An owner occupancy affidavit is a notarized sworn statement, signed at closing, in which a borrower certifies they will live in the financed property as their primary residence. Lenders require it because owner-occupied mortgages carry lower rates and down payments than second-home or investment loans, and the affidavit documents the borrower's stated intent.
How long do I have to live in a home under an owner occupancy affidavit?
Most conventional and government-backed mortgage documents require the borrower to move in within about 60 days of closing and to occupy the home as a principal residence for at least one year, though the exact terms are set by your loan documents. Falsely claiming owner occupancy to get better terms is considered occupancy or mortgage fraud.
How do I make a owner occupancy affidavit affidavit legally valid?
Fill in the owner occupancy affidavit affidavit, print it, and sign it in front of a Notary Public — do not sign beforehand. Bring a valid government-issued photo ID. Notaries are available at UPS Stores, banks, law offices, courthouses, and through online notarization services, and fees typically range from $2 to $25 per signature depending on your state.
Is this owner occupancy affidavit affidavit template free?
Yes. You can generate a completed owner occupancy affidavit affidavit PDF or download a blank printable template completely free, with no sign-up required. Your information is used only to generate the document and is not stored after the PDF is created.