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Tag Archives: Gift Funds

The Top 5 Considerations When Using a Gift for a Down Payment

When purchasing a home, many buyers want to put down the largest amount they can realistically afford. The funding for the down payment can come from a variety of places, and sometimes it comes in the form of a gift. If you’re on the receiving end of a down payment gift, what are some considerations […] …read more

Where are your down payment funds coming from?

Posted on February 24, 2016 by Deana Manzanares (NMLS #1286808). Tagged: , , , ,

Knowing where your down payment funds are coming from is only half the equation. Being able to source and show is the second part. As a lender we see all sources of money being used for down payments. Some of which include but are not limited to; 401k’s, gift funds, stocks, mutual funds, savings bonds […] …read more

Conventional Loans Using Gift Funds

So, while Fannie Mae was on board with allowing people to use gift funds for down payment this fall for Conventional mortgages. The PMI companies have now transitioned as well. So what this means is that if you are buying a primary residence 1-Unit (only, not rental property either) then you no longer need the […] …read more