diff --git a/src/actions/account.ts b/src/actions/account.ts
index 883530c..7d80fd4 100644
--- a/src/actions/account.ts
+++ b/src/actions/account.ts
@@ -1,12 +1,12 @@
-import { AccountLayout, Token } from "@solana/spl-token";
+import { AccountLayout, MintLayout, Token } from "@solana/spl-token";
 import {
   Account,
   PublicKey,
   SystemProgram,
   TransactionInstruction,
 } from "@solana/web3.js";
-import { TOKEN_PROGRAM_ID, WRAPPED_SOL_MINT } from "../constants/ids";
-import { TokenAccount } from "../models";
+import { LENDING_PROGRAM_ID, TOKEN_PROGRAM_ID, WRAPPED_SOL_MINT } from "../constants/ids";
+import { LendingObligationLayout, TokenAccount } from "../models";
 import { cache, TokenAccountParser } from "./../contexts/accounts";
 
 export function ensureSplAccount(
@@ -75,6 +75,50 @@ export function createTempMemoryAccount(
   return account.publicKey;
 }
 
+export function createUninitializedObligation(
+  instructions: TransactionInstruction[],
+  payer: PublicKey,
+  amount: number,
+  signers: Account[]
+) {
+  const account = new Account();
+  instructions.push(
+    SystemProgram.createAccount({
+      fromPubkey: payer,
+      newAccountPubkey: account.publicKey,
+      lamports: amount,
+      space: LendingObligationLayout.span,
+      programId: LENDING_PROGRAM_ID,
+    })
+  );
+
+  signers.push(account);
+
+  return account.publicKey;
+}
+
+export function createUninitializedMint(
+  instructions: TransactionInstruction[],
+  payer: PublicKey,
+  amount: number,
+  signers: Account[]
+) {
+  const account = new Account();
+  instructions.push(
+    SystemProgram.createAccount({
+      fromPubkey: payer,
+      newAccountPubkey: account.publicKey,
+      lamports: amount,
+      space: MintLayout.span,
+      programId: TOKEN_PROGRAM_ID,
+    })
+  );
+
+  signers.push(account);
+
+  return account.publicKey;
+}
+
 export function createUninitializedAccount(
   instructions: TransactionInstruction[],
   payer: PublicKey,
diff --git a/src/actions/borrow.tsx b/src/actions/borrow.tsx
index fb4a178..a03d2e5 100644
--- a/src/actions/borrow.tsx
+++ b/src/actions/borrow.tsx
@@ -12,6 +12,8 @@ import { LENDING_PROGRAM_ID, TOKEN_PROGRAM_ID } from "../constants/ids";
 import {
   createTempMemoryAccount,
   createUninitializedAccount,
+  createUninitializedMint,
+  createUninitializedObligation,
   ensureSplAccount,
   findOrCreateAccountByMint,
 } from "./account";
@@ -51,7 +53,7 @@ export const borrow = async (
     AccountLayout.span
   );
 
-  const obligation = createUninitializedAccount(
+  const obligation = createUninitializedObligation(
     instructions,
     wallet.publicKey,
     await connection.getMinimumBalanceForRentExemption(
@@ -60,7 +62,7 @@ export const borrow = async (
     signers
   );
 
-  const obligationMint = createUninitializedAccount(
+  const obligationMint = createUninitializedMint(
     instructions,
     wallet.publicKey,
     await connection.getMinimumBalanceForRentExemption(MintLayout.span),
diff --git a/src/models/lending/borrow.ts b/src/models/lending/borrow.ts
index 9708007..2909a96 100644
--- a/src/models/lending/borrow.ts
+++ b/src/models/lending/borrow.ts
@@ -22,7 +22,7 @@ import { LendingInstruction } from "./lending";
 ///   6. `[writable]` Obligation - uninitialized
 ///   7. `[writable]` Obligation token mint - uninitialized
 ///   8. `[writable]` Obligation token output - uninitialized
-///   9. `[]` Obligation token owner - uninitialized
+///   9. `[]` Obligation token owner
 ///   10 `[]` Derived lending market authority ($authority).
 ///   11 `[]` Dex market
 ///   12 `[]` Dex order book side // could be bid/ask
@@ -78,16 +78,16 @@ export const borrowInstruction = (
     {
       pubkey: borrowReserveLiquiditySupply,
       isSigner: false,
-      isWritable: false,
+      isWritable: true,
     },
     { pubkey: obligation, isSigner: false, isWritable: true },
     { pubkey: obligationMint, isSigner: false, isWritable: true },
     { pubkey: obligationTokenOutput, isSigner: false, isWritable: true },
     { pubkey: obligationTokenOwner, isSigner: false, isWritable: false },
-    { pubkey: lendingMarketAuthority, isSigner: false, isWritable: true },
-    { pubkey: dexMarket, isSigner: false, isWritable: true },
+    { pubkey: lendingMarketAuthority, isSigner: false, isWritable: false },
+    { pubkey: dexMarket, isSigner: false, isWritable: false },
     { pubkey: dexOrderBookSide, isSigner: false, isWritable: false },
-    { pubkey: memory, isSigner: false, isWritable: true },
+    { pubkey: memory, isSigner: false, isWritable: false },
     { pubkey: SYSVAR_CLOCK_PUBKEY, isSigner: false, isWritable: false },
     { pubkey: SYSVAR_RENT_PUBKEY, isSigner: false, isWritable: false },
     { pubkey: TOKEN_PROGRAM_ID, isSigner: false, isWritable: false },