09/29/2026
Okay, all jokes aside… 👇
If you’re in the market to buy a home, there’s one thing virtually every lender will want to see: proof of your down payment and where the money came from.
Knowing what lenders are looking for ahead of time can save you a LOT of headaches when it comes time to make an offer.
Here are a few things to keep in mind:
💰 3 months of history : Lenders will generally want to see a history of your down payment funds.
🏦 Multiple accounts? If your down payment is coming from multiple sources or accounts, you’ll need to provide the history for each one.
🔎 Large deposits? Be prepared to explain and document where larger deposits came from, especially if money has been transferred between accounts.
The more organized you are before you start shopping, the smoother the mortgage approval process can be.
Want to get pre-qualified and have all your ducks in a row before you start looking?
I can help you understand what you’ll need, what lenders will be looking for, and get the paperwork organized ahead of time so when you find the right home, you’re ready to move.
Mark Duzlemic
Mortgage Specialist
Invis - Concourse Mortgage Group
403.702.1166
[email protected]
Facebook and Instagram: MarkDuzMortgages