How long do funds need to be in my account to qualify?

Money that's been in your account for at least 60 days is considered 'seasoned' and needs no explanation. Larger recent deposits must be sourced — you'll show where they came from.

Payroll and normal deposits are fine. A big one-time deposit (a gift, asset sale, or bonus) needs documentation. We'll tell you which deposits to paper before underwriting asks.

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