Emergency Cash for Down Payment on a House

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If you are looking for emergency cash for a down payment on a house, Max Cash Title Loans may have the ability to help. 5 We are a focused set of loan experts that aim to help find you the best title loan potential. 2 4 5 Regardless of bad credit score or credit histories, you can apply with us.

If you have never applied for a car title loan before, you’re probably discovering that the process is overwhelming. For an easy and straightforward loan process, contact Max Cash Title Loans today. Apply for an online title loan today or call us straight to begin the process over the telephone!

To learn more about how to find emergency cash to afford a down payment on a new house and how auto title loans could help, continue reading below.

Family Gifts as Emergency Cash for Down Payment on a House

Grandparents, parents, in-laws, and even siblings may be willing to give you a present of money to assist you in the new home buying process. Not all mortgage lenders are excellent with financing a conventional mortgage loan where the deposit is present money, but many are, provided that the upfront or closing costs don’t have to be reimbursed to household, and you’re able to offer the creditor with a “gift letter.”

The letter must explain your relationship to the individual gifting the cash, the amount of the gift, the address of this property the present is to be used towards, and also how the money does not need to be repaid. Be sure you and your family member who will be making the present sign the letter. On top of that, you do not even have to pay taxes on gifts of up to $13,000 you get from each relative.

Personal Accounts for a Down Payment

Not everyone is fortunate enough to have a relative willing and able to present money to be used for a deposit on a home loan. If you will need to think of the money by yourself, like most individuals do, begin by looking into your checking and savings account in the bank. You might not believe you have much, but the money out of the savings and your spouse’s savings account can accumulate.

Taxable Investments to Pay for your House

If you have stocks and bonds that are not part of a tax-deferred retirement account, you can use them to pay your down payment amount. This is a viable alternative, but you will want to think about any capital gains taxes you might need to pay when you sell your investments–and the opportunity cost of selling your rankings as opposed to staying invested for the future.

Retirement Accounts

If you are a first-time homebuyer, you may be able to utilize some emergency funds from retirement accounts (such as IRAs and 401(k) s) for a deposit without incurring the standard early withdrawal penalties that include taking money from these accounts.

For instance, if this is your first home purchase, you can withdraw up to $10,000 for the purchase price or construction of a house from a traditional IRA or Roth IRA without having to pay the 10% premature withdrawal penalty. (if you are withdrawing from a traditional IRA, you will still have to pay regular income taxes, too.) your partner may also do the same, so if you have well-funded IRA accounts, you can use up to $20,000 from them towards the deposit.

Some companies will also allow you to borrow cash from your 401(k), typically around half of the average, to purchase your first house. The drawback to this is that to use money from an IRA, borrowing from your 401(k) is similar to a conventional loan program, which does need to be repaid. In addition, if you lose your job after you borrow from your 401(k), you might have to repay the money you borrow. Sometimes, you will need to repay within a month or two. This will depend on your employer’s policies.

Generally, it is always best to leave your retirement accounts alone. Having said that, when combined with other funding sources, these tools are often helpful in first-time homeownership.

A Title Loan for Emergency Cash for Down Payment on a House

An auto title loan located through Max Cash Title Loans utilizes a vehicle title to secure loan eligibility and loan amount. Furthermore, a borrower’s capacity to repay the installment loan will experience consideration. Due to the title loan process, things like credit checks and credit reports aren’t significant factors in the acceptance process.

What You Need to Apply with Max Cash Title Loans

To apply for a title loan, you will need to provide the next bits of required documents:

  • Valid Car Insurance Information
  • A Government Issued Photo ID (i.e., driver’s license)
  • Proof of Pennsylvania Residence
  • Proof of Income
  • 3 References
  • A Lien-Free Car Title
  • Pictures of Your Automobile

Benefits of Using a Title Loan

Unlike other title loan companies, Max Cash Title Loans operates somewhat differently.2 Since the number one online title loan marketplace, you’ll find a lot of benefits by using our services.

Get quick approval 1 2

With Max Cash Title Loans, the pre-approval process takes only moments to complete. What’s more, the whole process can be complete from the comfort of your home or office.

Find short-term lending 4

Not only do our network of direct lenders provide flexible monthly payment plans and competitive interest rates, but typically there are no prepayment fees or hidden fees attached to these loans. 3 4 This makes them a viable alternative to payday loans or cash advance financial services!

Funds are available through multiple ways 1 2

Whenever you get final loan approval, you could have your quick cash sent via check or direct deposit into your bank account or credit union about the same business day! 1 2

Complete Your Title Loan Application Today

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If you need help getting out of a financial bind, let Max Cash Title Loans help. 2 5 Give us a call now or start your online application and receive same-day cash. 1 2 We are available seven days a week for your title loan needs and cannot wait to help you!