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Reply to "Gift money from parents won't arrive on time - Any suggestion?"
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[quote=Anonymous][quote=Anonymous] But did you get pre-qualified through a lender or pre-approved? Generally pre-approvals, where the lender has already inspected your financials, pulled your credit, etc. put you in a much stronger position than just being pre-qualified when making offers. The pre-approval process may require the gift letter, etc., even if the actual funds aren't available yet.[/quote] Oh, I'm so beginner. It's "Pre-Approved". We can basically afford it on our own. But it would be nicer if we can reduce the total loan amount, or have gift money as an emergency funds, or put them in the Retirement plan. Also, I was speaking about 14k limt. Lifetime 5.25millinon?!! That would be super nice. I'll discuss our options throughly tonight. Anything I should be aware of? Like type of contingency, etc.? Thanks!! [/quote]
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