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Colin, when doing a cash out refinance, do you need to have enough PTI for all existing properties or just for the one you are refinancing. I am interested in purchasing a single family home as an investment property. I currently do not have the 20 for the down payment buy I have excellent credit and I am interested in using a personal loan for the down payment.
I understand that you cannot use borrowed money for a down payment on an investment property, but I was wondering what if you took out the loan for a vacation or something else, let it sit for 6-12 months or so, and use it for the 20 down payment. I understand this will affect my al ahli cash advance to income ratio, but as long as the numbers work will I be okay. From al ahli cash advance understanding the underwriter only wants 2-3 months of bank statements and the balance prior to that isnt in question.
Or does the mortgage underwriter go back and see that some of my down payment may have come from that personal loan. Any advice would be greatly appreciated, thank you. The 401k loan should be considered seasoned regardless of when its transferred to your checking, but the lender will need to see the paper trail to ensure those funds actually arrived via the 401k loan and not an unacceptable source.
This is a really bad idea. It means you have to pay even more charges and interest so you end up owing much more money. What you should do instead is seek debt advice and agree a repayment plan that you can afford with the lender. Before al ahli cash advance over your loan, the payday lender must refer you to free debt advice. And since July 2014 they cannot roll over your loan more than twice. Get help from a free debt adviser. If youre struggling with bills or finding it difficult to deal with a payday lender, contact one of these free, confidential debt advice services: The adviser will be on your side theyll help you get your debts under control and can negotiate with the lender on your behalf.
Tell your lender as soon as you start working with the debt adviser. Follow up your phone call with a letter you can use Whichs letter telling a payday lender that youre working with a debt adviser.
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