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Get answers to your policy and guide questions, straight from the source. Shop premium baby gear designed around your life. Determining how to treat personal property listed on the sales contract varies depending on the type of loan being obtained
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As a reminder, proceeds from the sale of personal assets are an acceptable source of funds for the down payment, closing costs, and reserves provided the individual purchasing the asset (s) is not a party to the mortgage transaction. This topic contains information on verifying deposits and assets, including The lender can use any of the following types of documentation to verify that a borrower has sufficient funds for closing, down payment, and/or financial reserves Request for verification of deposit (form 1006).
The borrower’s ownership of the asset for choose asset types that are titled assets, for example automobile title The appreciate of that asset, as destination by certain standalone and reputable source, if the proceeds represent further than 50% of the total monthly income used the qualifying. Furniture, fixtures, equipment, and other tangible personal property located on or used in connection with the property. As a reminder, proceeds from the sale of personal assets are an acceptable source of funds for the down payment, closing costs, and reserves provided the individual purchasing the asset(s) is not a party to the mortgage transaction.
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