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Homes and Real Estate in the St. Louis, Missouri area

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After The Offer To Purchase Is Accepted

Homes and real estate in:

St. Louis, Arnold, Bowlin, Chesterfield, Clayton, Coeur, Crestwood, Creve, Dardenne, Ellsville, Eureka, Fenton, Frontenac, Imperial, Kirkwood, Ladue, Lake St. Louis, Maryland Heights, Richmond Heights, Saint Charles, Saint Peters Prairie, Rock Hill, Sunset Hills, Town and Country, Webster Groves, Wentzville, Wildwood

What Is An Exclusive Buyers Agent?
What Can An Eba Do That Others Can't?
What Are Fiduciary Duties And Why Are They Important?
The Secret Big Corporations Have Known For Years
What Others Say About Buyer Agency
Should you use the Agent who sold your home as your Buyers Agent?
Take Some Confusion Out Of The House Hunting Process
Find an Exclusive Buyers Agent in a different city or state
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Tips For Home Buyers

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.

Mark Richert   MO DRE#  2001022128
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