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We are planning to take out the maximum amount allowed and should have some money left from the 401K that we would like to use for the appraisal. My question is if using a 401K loan, does it matter when we transfer the funds into our checking account. Ive read about funds being seasoned, but so far all the money is still sitting in the 401K. Can we transfer at any time as long as we provide proof that the funds came from the 401K. Or do we have to wait until closer to closing to transfer funds into checking.
In many cases it can all be in the form of a gift if 80 LTV (20 down) and a one-unit owner-occupied property. If someone is putting 20 down on their primary residence on a conventional loan, how much of it must be their own funds and how much can be a gift.
It sounds like you have sufficient how does a unsecured personal loan work, but an income shortfall.
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