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Note: When a deposit has both sourced and unsourced portions, only the unsourced portion must be used to calculate whether or not it must be considered a large deposit. When the lender uses a reduced asset amount, net of the unsourced amount of a large deposit, that reduced amount must be used for underwriting purposes (whether the mortgage loan is underwritten manually or through DU). Verified funds must be reduced by the amount (or portion) of the undocumented large deposit (as defined above), and the lender must confirm that the remaining funds are sufficient for the down payment, closing costs, and financial reserves. The lender must place in the loan file written documentation of the rationale for using the funds. Examples of acceptable documentation include the borrower’s written explanation, proof of ownership of an asset that was sold, or a copy of a wedding invitation to support receipt of gift funds. In those instances, the lender must use reasonable judgment based on the available documentation as well as the borrower’s debt-to-income ratio and overall income and credit profile. Occasionally, a borrower may not have all of the documentation required to confirm the source of a deposit.
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If funds from a large deposit are needed to complete the purchase transaction (that is, are used for the down payment, closing costs, or financial reserves), the lender must document that those funds are from an acceptable source.
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1Fichier AlfaFile Alldebrid Backin.Net BitPort.io Cocoleech Daofile DebridItalia Depositfiles Ubiqfile EasyBytez ExtMatrix Filefactory Filemonster FileSpace Filestream FireGet Gift Cards GigaPeta HeroUpload Hitfile Icerbox Kenfiles KooFile Kookfile Linkifier LinkSnappy Made To Order Maxspeedbox Mediafire NitroFlare Novafile OBOOM PD Proxy Prem.link Or Rapid8 PremBox RapidGator.Net Real- Debrid ShareDir Simply-Debrid Softwares SteepaFiles TeraFile Tezfiles Turbobit Uploaded.Net Uploadscenter Uptobox Videobb XUBSTER.COM Yunfile.Documentation or explanation for large deposits is not required however, the lender remains responsible for ensuring that any borrowed funds, including any related liability, are considered.
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