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The quickest way to check on your money to buy a home is by getting everything documented in your account and giving copies of your most recent bank statements to your lender.
You must keep in mind that some lenders may ask for a two or three months bank statements. Also, you must take into account that there are some lenders that still send a verification of deposit to the homebuyer bank account in order to establish his current bank balances may ask for a two or three months. Although it is an old way to verify your documentation, some lenders are still using it, while others opt for having only the bank statements.
If the money you have designated to make the down payment and pay the closing costs was in the bank for a long period of time and is covered by the bank statements, you will not have any problems. These are known as seasoned funds. But, if your bank account statements prove any large deposits or withdrawal, the lender will ask you to give details about it including to enclose the pertinent sources.
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