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If you have any questions about this privacy statement, the practices of this site, or your dealings with this Web site, you can contact
BUYER'S BROKER INC, a licensed California Real Estate Brokerage
8001 Irvine Center Drive, Suite 400
Irvine, CA 92618
Email BUYER'S BROKER INC
San Luis Obispo County:
Adelaide, Arroyo Grande, Atascadero, Avila Beach, Baywood Park, California Valley, Cambria, Cayucos, Cholame, Creston, Grover Beach, Halcyon, Harmony, Los Osos, Morro Bay, Nipomo, Oceano, Parkfield, Paso Robles, Pismo Beach, Pozo, Ragged Point, San Luis Obispo, San Luis Obispo County, San Miguel, San Simeon, Santa Margarita, Shandon, Shell Beach, Sn Margarita, Templeton
Send an Email to Michael Byrd
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Purchasing a Home? Some Things You Should NOT Do.
Don't make any major purchases such as a new car, expensive electronics or appliance, or anything else that you cannot pay cash for. The extra payments may prevent you from getting a loan.
Don't move money from one account or investment to another. One of the things a lender is concerned about is the source of funds for your down payment and closing costs. The lender will ask for statements for the last 3 months for all your bank and investment accounts and even your company 401K and retirement accounts.
Lenders like to see what is referred to as "seasoned money", that is, money that has been accumulating in an account over a period of months or years. If your bank account has a large deposit that was made less than 3 months ago they may think the money was a loan from a relative who is trying to help you qualify for a loan. Then you will have to prove where the funds came from which can be a time consuming process.
Please, leave your money where it is until you talk to a loan officer. And don't move a significant amount around without letting the lender know about it in advance.