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I get where you’re coming from, but I think there’s a bit of over-caution here. Keeping things “boring” in your accounts, as you put it, isn’t always realistic—especially if you’ve got freelance gigs or family money transfers.
That’s the key. I refinanced last year and had a couple odd deposits, but clear records made it a non-issue. Underwriters are thorough, but as long as you can show where funds come from, I don’t think you have to freeze your financial life for months.If you need to move money around, document it and be ready to explain it.
Yeah, I’ve had underwriters ask about a $200 Venmo from my brother labeled “pizza.” It’s wild what they’ll flag. But you’re right—if you can show a paper trail, it’s usually fine. Life doesn’t stop just because you’re buying a house.
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