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Why 60 days. Well, lenders will generally ask for the two most recent bank statements, which cover a span of 60 days, give or take. So anything that occurs prior to those two months of bank statements wont be revealed to the lender. For example, if you plan on using a specific bank account to verify your assets, you may want to move approved cash advance birmingham al necessary funds into that account 60-90 days before you apply for a mortgage.
That way the money will be considered seasoned and the average daily balance of the account will be reflected as well. The two most recent bank statements wont show those funds transfers if they were completed 60 days earlier, in a prior statement period. And if the funds have been in the account for 60 days, you shouldnt need to source them beyond the bank account theyre in.
Conversely, if you move a sum of money into a bank account less than 60 days before you apply, the lender will see that deposit on the bank statement and likely scrutinize it.