to throw off the personÆs debt to income ratio, or DTI. Basically, they donÆt want you to take on more debt than they believe you can safely repay, otherwise they would have qualified you for 100% financing. If you find yourself in a situation where you need to get money from your folks or other family to make a down payment on your new house, you will be required to prove that you did not borrow the money from them with an expectation on their part that it be repaid or with an intention on your part to repay it. In fact, both you and your family will need to prove to your lender that the money was given to you, in the form of a Gift. To verify that the funds are in fact given freely, your lender will require special documentation. If you are applying for a new mortgage, you should receive as part of your loan application package a special form called a ôGift Letterö. The goal of this letter is to identify the source of the funds and assure the lender that they are in fact a gift. Typically, a gift letter will include the name of donor, the name of the recipient, the relationship between the two parties, the amount of the gift, the address of the property for which the gift is to be used to pay for, the fact that no repayment is required or expected, and an assurance that the person making the gift or the source of funds is not in nay way party or beneficiary to the transaction, e.g. not the broker, seller, agent, loan officer, builder and so on. In most cases the person giving the gift will be required to document where the money came from, such as a bank account or a brokerage account. If you are depositing the funds directly into escrow, or even if they are going into your bank account, take some precautions to document the transfer by keeping copies of the checks or deposit tickets/receipts from the bank/escrow agent. Title: Refinance & Mortgage Tips: Your Down Payment Is Key Word Count: 587 Summary: If you are buying a house, the first thing you need to figure out is how much of a down payment you can afford to make. This may seem like the sort of advice your father would give you, but rest assured there are a few reasons why knowing what you can put down and where youÆll get the money can make all the difference when shopping for a house and a mortgage to finance your new purchase. Before you pick up your local newspaper and browse the real estate section looking fo... Keywords: mortgage, refinance, debt, consolidation, credit card, minimum payment, investor,
William Strachey Feet Size, Family, Eye Color, fees per movie, Wiki, body stats, Real Name, Profession
William Strachey Feet Size, Family, Eye Color, fees per movie, Wiki, body stats, Real Name, Profession
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William Strachey Feet Size, Family, Eye Color, fees per movie, Wiki, body stats, Real Name, Profession
William Strachey Feet Size, Family, Eye Color, fees per movie, Wiki, body stats, Real Name, Profession
William Strachey Feet Size, Family, Eye Color, fees per movie, Wiki, body stats, Real Name, Profession
William Strachey Feet Size, Family, Eye Color, fees per movie, Wiki, body stats, Real Name, Profession
William Strachey Feet Size, Family, Eye Color, fees per movie, Wiki, body stats, Real Name, Profession
William Strachey Feet Size, Family, Eye Color, fees per movie, Wiki, body stats, Real Name, Profession
William Strachey Feet Size, Family, Eye Color, fees per movie, Wiki, body stats, Real Name, Profession.
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