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For example, attempting to use mattress money for your down payment likely wont go over well. You might think, why not. Its my money, my hard-earned cash, why cant I use it. Well, the lender doesnt know where that money came from if it just appeared in your bank account a couple days ago.
Could you have taken out an undisclosed loan, borrowed money from someone, or acquired funds another way that could make you a riskier borrower than you appear. Sure and absolutely. This is why mortgage lenders typically want to personal loans site gov that any assets used in the mortgage transaction are seasoned for at least 60 days. Put simply, this means providing two months of bank statements that show the funds being present in the account for that entire duration.
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