🎁🏡 THE GIFT LETTER — HOMEOWNERSHIP HELP, DONE RIGHT • Short on down payment funds • Family wants to help — but lenders need proof • Worried a “gift” could delay approval • Confused about what’s allowed and what’s not A gift letter documents funds given by an approved donor (like parents or close relatives) with no repayment required, keeping your loan compliant and stress-free. At The Onyx Group Mortgage, we guide you step-by-step so gift funds are structured correctly and your closing stays o
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🎁🏡 THE GIFT LETTER — HOMEOWNERSHIP HELP, DONE …
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Buy a family home with $0 out of pocket (Gift of Equity) Here’s the play, step-by-step: \t1.\tKnow the value. Get a CMA or appraisal so you have the ceiling price. \t2.\tPull the payoff. Have your family member call their loan servicer for the official payoff. \t3.\tConfirm their net. Ask what they want to walk away with. \t4.\tDo the math. Gift of equity = Current value − (Payoff Seller’s net est. closing costs). That gift can cover your down payment closing if your loan program allows. \
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Documents you NEED for a first‑time buyer mortgage — save this for later 📁✨ 💼 1. Income Verification What you need depends on how you earn. If employed: • Last 3 months’ payslips • Last 3 months’ bank statements • P60 (sometimes requested) If self‑employed: • SA302s / tax calculations (usually last 2 years) • Tax year overviews Or • Business accounts (last 2 years) 💰 2. Proof of Deposit You must show where your deposit comes from. • Savings statements (showing build‑up of funds) • Lifetime IS
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Documents you NEED for a first‑time buyer mortgage — save …
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Many people assume they don’t qualify for a mortgage — but the rules are often more flexible than expected. ✔️ Self-employed? Still possible, as long as your income is properly documented. ✔️ Using gifted funds? Allowed in many cases, with a signed gift letter and proof of funds. ✔️ Have student loans? That doesn’t automatically disqualify you — lenders factor the payments into your overall debt ratios. Qualification depends on the full picture, not just one detail. If you’ve been unsure whether
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Many people assume they don’t qualify for a mortgage — but the r…
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