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I currently do not have the 20 for the down payment buy I have excellent credit and I am interested in using a personal loan for the down payment. I understand that you cannot use borrowed money for a down payment on an investment property, but I was wondering what if you took out the loan for a vacation or something else, let it sit for 6-12 months or so, and use it for the 20 down payment. I understand this will affect my debt to income ratio, but as long as the numbers work will I be okay.
From my understanding the underwriter only wants 2-3 months of bank statements and the lloyds bank personal loans prior to that isnt in question. Or does the mortgage underwriter go back and see that some of my down payment may have come from that personal loan. Any advice would be greatly appreciated, thank you.
The 401k loan should be considered seasoned regardless of when its transferred to your checking, but the lloyds bank personal loans will need to see the paper trail to ensure those funds actually arrived via the 401k loan and not an unacceptable source.
It doesnt hurt to run this process by your lender to avoid any hiccups. Hi, we are in the process of purchasing a house and are planning to use a 401K loan for the down payment (FHA loan).
To do that, we have to figure out how many of these two week period fit into a year. Your first instinct is to think «Well, there are 52 weeks in a year, so thats 26 two-week periods. Multiply 23 for two week period by 26 to get five hundred ninety percent. But thats not actually the exact formula used.
Non leap years have 365 days, but note that 52 weeks x 7 days per lloyds bank personal loans is 364. So, the exact formula requires using a. A shop window in Falls Church, Virginia, advertises payday loans. more precise number.
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