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If you’ve ever wondered why the underwriter wants things like bank statements from accounts you forgot even existed… welcome to the mortgage process 😅 Here’s the deal: every document requested serves a purpose. And those things like “old” accounts can reveal: • unexplained deposits • transfers between accounts • balances that affect your debt-to-income • activity that needs to be documented So for example, if the underwriter can’t trace the money, your file stalls, and nobody wants last-minute
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