Cindy Forbes, Real Estate Broker

10/01/2026

Good advice

Underwriters aren’t trying to be difficult — they just need to document where funds come from.

A deposit that isn’t part of your regular income can trigger a request for documentation, even if it’s something routine like a gift, bonus, or reimbursement. Keeping records (like a gift letter, pay stub, or deposit slip) can help make the verification process smoother.

Every file is different, so requirements can vary based on your loan type and lender. If you have questions about a specific deposit, it’s worth asking your loan officer directly.

📲 Call me if you want to talk through your specific situation. 417-388-8750

09/11/2026

These home buying tips are not false. Stay in communication with your Realtor and loan officer regarding any non-routine financial transactions during the loan approval and purchase term and minimize unnecessary stress and complications.

EXPERIENCE MATTERS!

Underwriters aren’t trying to ruin your day (I promise) — they just need to verify where funds come from. 🧐

A deposit that isn’t part of your regular income (a gift, a bonus, a reimbursement, even a garage sale windfall) can prompt a request for documentation. It’s a normal part of the process, not a red flag on you personally. 😅

Keeping a simple paper trail — where it came from, why — usually resolves it quickly. Every lender handles this a little differently, so if you’ve got a deposit you’re unsure about, it’s worth asking your loan officer directly. 🤝🏻

📲 Call me if you want to talk through your specific situation before it becomes a delay.
417-388-8750

09/01/2026

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08/30/2026

Interesting perspective on Ozark land values.

Who is buying land in the Ozarks right now — corporate investors, o...

08/12/2026

07/28/2026

Disappointed you missed this awesome 4 bedroom Neosho home with 21 acres of lush Ozark pasture? Backup offers welcome as contingencies are still outstanding.

Call today for a personal showing.

Cindy Forbes, Pro 100
Mobile 417-850-8500
Office 417-451-5930

Click below for photos and details.

07/08/2026

07/01/2026

We are overwhelmed with the show of generosity from the Four Corners Realtors group today! This year, they decided to donate the proceeds from their charity golf tournament to benefit KNEO Radio. They showed up today with a donation of $10,500, for the work we do in our community. Thank you to the Four Corners Realtors, and let’s keep making our area a great place to live!