Acceptable items usually include automobiles, coins, art, and antiques. Generally you can use money from a joint account for reserves and down payment, but youll typically need to provide a letter from the other account holders explaining that you have full access to the funds.
If you have any recent large deposits (usually defined as one that exceeds 50 of total monthly income) in your accounts, they may be scrutinized andor unavailable person who takes loan underwriting purposes depending upon their size.
Tip: At the end of the day, make sure assets are in personal accounts and seasoned long before applying for a mortgage. And do your best to limit account activity during that time. It makes life easier for everyone. About the Author: Colin Robertson. 174 Comments.
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Late Payments Hurt Your Credit Score.
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