{"id":655,"date":"2015-06-16T09:40:45","date_gmt":"2015-06-16T09:40:45","guid":{"rendered":"http:\/\/teammovemortgage.com\/2014\/09\/01\/do-not-use-cash-when-purchasing-a-home-and-applying-for-a-mortgage\/"},"modified":"2020-07-13T22:34:48","modified_gmt":"2020-07-13T22:34:48","slug":"cash-deposits-mortgages","status":"publish","type":"post","link":"https:\/\/teammovemortgage.com\/blog\/cash-deposits-mortgages\/","title":{"rendered":"Avoid cash when purchasing a home and applying for a mortgage!"},"content":{"rendered":"<h2>Cash Deposits &amp; Mortgages Don&#8217;t Mix!<\/h2>\n<p>We want to help\u00a0parties to a\u00a0home purchase\u00a0avoid a very common mortgage problem &#8211; Cash Deposits.\u00a0 But, cash is king!\u00a0 Right?\u00a0 Not when it comes to the mortgage lending industry.\u00a0 So the primary reason is that lenders cannot document the source of deposit with certainty.<\/p>\n<p>Here are some common, but avoidable examples of cash deposits.<\/p>\n<ul>\n<li>Earnest money deposits paid in cash<\/li>\n<li>Cash deposits into the borrower&#8217;s bank account<\/li>\n<li>Buyer&#8217;s sale of an asset for cash<\/li>\n<li>Gifts from family members in the form of cash<\/li>\n<\/ul>\n<p>In this article, we explain how buyers, sellers, buyer&#8217;s agents, and listing agents can prevent this issue.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignright wp-image-1431 size-medium\" src=\"https:\/\/teammovemortgage.com\/blog\/wp-content\/uploads\/2015\/06\/cash-with-strike-through-it-300x232.jpg\" alt=\"cash deposits cause mortgage problems\" width=\"300\" height=\"232\" \/><\/p>\n<h2><b><span style=\"color: #000000; font-family: Calibri;\">Top reasons mortgage lenders\u00a0must source general or cash deposits<\/span><\/b><\/h2>\n<p>Lenders are not picking on buyers.\u00a0 They are just following the rules plus\u00a0being prudent lenders.\u00a0 Reasons for the requirements include&#8230;<\/p>\n<ol>\n<li>Lending agencies such as <a href=\"http:\/\/teammovemortgage.com\/fha\/\"><span style=\"text-decoration: underline;\"><strong>FHA<\/strong><\/span><\/a>, <a href=\"http:\/\/teammovemortgage.com\/usda\/\"><span style=\"text-decoration: underline;\"><strong>USDA<\/strong><\/span><\/a>, <a href=\"http:\/\/teammovemortgage.com\/va-loan\/\"><span style=\"text-decoration: underline;\"><strong>VA<\/strong><\/span><\/a> require it<\/li>\n<li>Ensure the source is not a new debt<\/li>\n<li>It could be an advance from a payday loan, credit card, retirement, etc<\/li>\n<li>Are the funds an <a href=\"http:\/\/teammovemortgage.com\/blog\/2015\/03\/21\/gift-funds-fha\/\"><span style=\"text-decoration: underline;\"><strong>eligible gift<\/strong><\/span><\/a>?<\/li>\n<li>Loan fraud prevention **<\/li>\n<li>Lenders are required by federal regulation to ensure not funding terrorism, money laundering, or other illegal activities.\u00a0 See\u00a0an\u00a0excerpt explaining\u00a0Bank Secrecy Act, Anti-money laundering, and office of foreign assets control requirements<a href=\"https:\/\/www.fdic.gov\/regulations\/safety\/manual\/section8-1.pdf\"><span style=\"text-decoration: underline;\"><strong> here<\/strong><\/span><\/a>.<\/li>\n<\/ol>\n<p><span style=\"color: #000000; font-family: Calibri;\">**\u00a0Most of the\u00a0requirements\u00a0mortgage process participants endure, result from past fraud.\u00a0 As an illustration, fraud\u00a0may include sellers providing a buyer or buyer&#8217;s family the down payment.\u00a0 So because of previous fraudulent activities, today&#8217;s borrowers must\u00a0thoroughly document\u00a0files.\u00a0 <\/span><\/p>\n<h2>Buyers, Avoid These Cash Issues<\/h2>\n<p>We can&#8217;t stress these points enough.\u00a0 If you follow these tips, it can save you a lot of paperwork or issues.<\/p>\n<ul>\n<li>Do not deposit cash into your bank account.<\/li>\n<li>Cash\u00a0should not be used to\u00a0pay an\u00a0earnest money deposit<\/li>\n<li>Assets sold for cash are an issue<\/li>\n<li>Ask us before depositing anything in your bank account other than direct deposit of income sources<\/li>\n<\/ul>\n<p>[av_button label=&#8217;Start an Application Now&#8217; link=&#8217;manually,http:\/\/teammovemortgage.com\/apply-online\/&#8217; link_target=&#8217;_blank&#8217; size=&#8217;large&#8217; position=&#8217;center&#8217; icon_select=&#8217;no&#8217; icon=&#8217;ue800&#8242; font=&#8217;entypo-fontello&#8217; color=&#8217;theme-color&#8217; custom_bg=&#8217;#444444&#8242; custom_font=&#8217;#ffffff&#8217;]<\/p>\n<h2>A Buyers Agent&#8217;s Role in Advising Buyers<\/h2>\n<p>Additionally, buyer&#8217;s agents are key to avoiding cash deposit problems.\u00a0 They are often working with the buyer earliest in the purchase process.\u00a0 So a knowledgeable realtor can provide some valuable tidbits for their buyer.\u00a0 Foremost, do not let the buyer pay an earnest money deposit with cash!\u00a0 Furthermore, question the source of an EMD paid with a\u00a0money order.\u00a0\u00a0Certainly, at least\u00a0ask if it came from the buyer&#8217;s checking or savings account.\u00a0 Also, often the source of a money order is cash on hand.\u00a0 A buyer often just doesn&#8217;t realize the significance of sourcing these payments up-front as the mortgage process is not an everyday occurrence.<\/p>\n<p>Next, an agent should counsel the buyers about the avoidance of cash deposits into their bank accounts.\u00a0 Finally, mention the importance of providing correct documentation to prove deposit sources if applicable.\u00a0 Proving the source of cash deposits can be extremely difficult.\u00a0 Site examples from this article to get the point across about cash.\u00a0 It could really save their home loan!<\/p>\n<h2>Listing Agents, Watch Out<\/h2>\n<p>There are even safeguards that\u00a0a listing agent can follow to protect their sellers against cash woes.\u00a0\u00a0For instance, if an agent or buyer presents a cash earnest money deposit, question it.\u00a0 Ask the buyer side of the transaction to verify acceptance with the mortgage company.\u00a0 Additionally listing agents should advise their sellers of cash deposit pitfalls.\u00a0 If the seller will buy a new home, get this information to them early.\u00a0 An ounce of prevention is worth a pound of cure!\u00a0\u00a0Therefore listing agents may help avert later problems with this important knowledge.<\/p>\n<h2>Buyer Recommendations for a Successful Closing<\/h2>\n<p>If you are a buyer thinking of\u00a0a home purchase in the future, keep these points in mind.\u00a0 Normally, we are going to ask for the 2 most recent statements for all checking, savings, and retirement accounts.\u00a0 Please realize that\u00a0often making general or cash deposits will at least cause additional documentation.\u00a0\u00a0Although many mortgage programs\u00a0have allowances for general deposits, there are good practices to follow.\u00a0 For instance,\u00a0copy\u00a0any checks\u00a0deposited so that you can prove the source for the general deposit.\u00a0 If you sell an asset like a car,\u00a0keep\u00a0a detailed paper trail.\u00a0 The paper trail could prove the asset conversion to liquid assets.<\/p>\n<p>So as a general rule, avoid cash deposits and definitely any cash earnest money deposits.\u00a0 Remember, we welcome early discussion of mortgage documentation requirements with realtors and buyers.<\/p>\n<p><strong>Additional Resources:<\/strong><\/p>\n<ul>\n<li><a href=\"http:\/\/teammovemortgage.com\/blog\/2015\/07\/01\/how-and-when-to-document-earnest-money-deposit-funds-on-a-purchase\/\"><span style=\"text-decoration: underline;\"><strong>How &amp; when to document earnest money deposit funds<\/strong><\/span><\/a><\/li>\n<li><a href=\"http:\/\/teammovemortgage.com\/blog\/2015\/03\/21\/gift-funds-fha\/\"><span style=\"text-decoration: underline;\"><strong>Gift funds requirements for FHA loans<\/strong> <\/span><\/a>&#8211; good rules to know up-front!<\/li>\n<li><a href=\"http:\/\/www.legalnews.com\/detroit\/1367068\"><span style=\"text-decoration: underline;\"><strong>Interesting third party article giving perspective on deposit documentation requirements<\/strong><\/span><\/a><\/li>\n<\/ul>\n<p>[av_button_big label=&#8217;Contact Us Today&#8217; description_pos=&#8217;below&#8217; link=&#8217;manually,http:\/\/teammovemortgage.com\/apply-online\/&#8217; link_target=&#8221; icon_select=&#8217;no&#8217; icon=&#8217;ue800&#8242; font=&#8217;entypo-fontello&#8217; custom_font=&#8217;#ffffff&#8217; color=&#8217;theme-color&#8217; custom_bg=&#8217;#444444&#8242; color_hover=&#8217;theme-color-subtle&#8217; custom_bg_hover=&#8217;#444444&#8242;]<br \/>\nLet us help you understand these rules &amp; processes early<br \/>\n[\/av_button_big]<\/p>\n<p><strong><em>Keep in mind, Team Move lends throughout North Carolina, South Carolina, and Virginia.<\/em><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Cash Deposits &amp; Mortgages Don&#8217;t Mix! We want to help\u00a0parties to a\u00a0home purchase\u00a0avoid a very common mortgage problem &#8211; Cash Deposits.\u00a0 But, cash is king!\u00a0 Right?\u00a0 Not when it comes to the mortgage lending industry.\u00a0 So the primary reason is that lenders cannot document the source of deposit with certainty. Here are some common, but [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":1431,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[5,33,40],"tags":[385,240,7,26,9,241,242,10,12,13,310,18,311,20,21],"class_list":["post-655","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-1st-time-buyers","category-frequently-asked-questions","category-tips","tag-cash","tag-down-payment-gift","tag-down-payment-source","tag-fha-guidelines","tag-first-time-buyers","tag-gift-from-family","tag-gift-funds","tag-homebuyers","tag-lumberton-board-of-realtors","tag-mortgage-faqs","tag-pinehurst-southern-pines-association-of-realtors","tag-realtors","tag-sanford-area-association-of-realtors","tag-team-move","tag-wrar"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Cash Deposits Can Cause Issues With Getting a Mortgage Loan<\/title>\n<meta name=\"description\" content=\"Cash Deposits should be avoided when buying a home. Learn how to prevent mortgage issues because of cash deposits or cash earnest money deposit\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/teammovemortgage.com\/blog\/cash-deposits-mortgages\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Cash Deposits Can Cause Issues With Getting a Mortgage Loan\" \/>\n<meta property=\"og:description\" content=\"Cash Deposits should be avoided when buying a home. 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