The source of that cash may also be scrutinized. We are in the process of starting the final loan approval as we are 2 12 months out from closing (new construction). We have a FHA loan with 3. 5 down and has already placed the down payment and earnest money into escrow. We have the income to cover the new mortgage payment; however, during the time of construction we were planning to save the remaining cash to close amount.
We are exactly 3 hdfc personal loan offer for hcl employees from obtaining the cash (5K). Since we are 2 months out from closing date, think it is possible the lender wants to see the reserve money now or will wait until it is all there.
It might be possible to use assets to qualify for a mortgage (assuming they are plentifulsufficient), but it might be easier to secure all mortgages before retirement. Im planning to retire in 2.
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