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Allowable types of assets: Earnest Money Deposit CheckingSavingsCDMoney Market Accounts VOD Business accounts Stocks Bonds IRA401k and other retirement accounts Gift FundsGift of Equity Sale of Assets Seller contributions. Ineligible types of assets: Cash on hand Undocumented funds (mattress money) Sweat equity Unsecured borrower funds Illegally obtained funds.
Some useful tips regarding using assets for a mortgage: Move money into a checking or savings account the minute you start looking for a property. This will allow those funds to be seasonedand thus wont require additional sourcing. Try to limit any activity (deposits, withdrawals, purchases, transfers) in said account(s) for the preceding months leading up to the mortgage application to avoid any unnecessary conditions or letters of explanation. Even if the mortgage company initially asks for bank statements, ask if a VOD will suffice.
A Verification of Deposit (VOD) from your bank provides the overall balance cash loans sa sandton 2128 your account and your average balance based on the past two months.