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To protect yourself and your credit history, make sure you only accept loan terms that you can afford to repay. If you cannot make a payment on time, you should contact your lender immediately and discuss how to handle late payments.
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If you sell personal assets, make sure you save receipts to prove the source of funds. Acceptable items usually include automobiles, coins, art, and antiques. Generally you can use money from a joint account for reserves and down payment, but youll typically need to provide a letter from the other account holders explaining that you have full access to the funds.
If you have any recent large deposits (usually defined as one that exceeds 50 of total monthly income) in your accounts, they may be scrutinized andor unavailable for underwriting personal loan balance transfer charges depending upon their size. Tip: At the end of the day, make sure assets are in personal accounts and seasoned long before applying for a mortgage.
And do your best to limit account activity during that time. It makes life easier for everyone.