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From my understanding the underwriter only wants 2-3 months of bank statements and the balance 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 online payday loans montreal 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 lender 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). We are planning to take out the maximum amount allowed and should have some money left from the 401K that we would like to use for the appraisal.