Utah County Homes for Sale - Source of Funds
Source of funds for your down payment and closing costs is one of the major concerns when it comes time to close on your home loan. Lenders will require statements for the last two or three months on any of your liquid assets. This includes checking and savings accounts, money market funds, certificates of deposit, stock statements, mutual funds, and even your company 401K and retirement accounts.
It is very important that there not be a lot of movement between the accounts mentioned above just prior to or during the closing process. Lenders will require a complete paper trail of all the withdrawals and deposits. Moving your money around, even if you are consolidating your funds to make it easier could make it more difficult for the lender to properly document. So it is important to leave your money where it is until you talk to a loan officer.
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