2026-01-10
Автор: RichardSareyHomeLoans
Загружено: 2026-01-10
Просмотров: 355
Описание:
A lot of buyers think gift money makes things easier instantly.
And emotionally? It does.
But behind the scenes, this is one of the most common places deals slow down, get stressful, or hit last-minute surprises.
Mistake #1
Taking the gift before talking to your lender
Even good intentions can create problems if the timing or source isn’t approved first.
Mistake #2
No paper trail
If it can’t be clearly documented as a gift, it may be treated like debt.
Mistake #3
Ignoring tax rules
Large gifts can trigger questions or surprises if no one plans ahead.
Mistake #4
Using payment apps
Convenient doesn’t mean acceptable. Lenders need a clean, verifiable trail.
Mistake #5
Using every dollar upfront
Leaving yourself with zero cushion can make the first months stressful
The fix
Talk to your lender before any gift money moves
So the amount, source, and timing are approved first
💬 Curious how this would work in your situation?
Comment GIFT and I’ll walk you through it step-by-step.
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