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Gift Letter - Impac Wholesale Mortgage: What You Should Know

Donor's status at the time and place of granting of the loan. o. Donor's ability to repay the loan, (if an asset that is required to be sold). o. Borrower's ability to repay the loan, (if an asset that is required to be sold). o. Location of the property, (if the loan is for non-owner-occupied). o. Relationship of Borrower to Creditor (if the loan is for owner-occupied). o. Lender's ability to pay loan and/or property.  Guideline Overview All loans meeting the parameters outlined in Sep 11, 2024 — All loan documentation was electronically submitted. Payment of the Loan became the Borrower's obligation (if the asset is sold). Guideline Overview All loans meeting the parameters outlined in Sep 12, 2024 — All loan documentation was electronically submitted. Payment of the loan became the Borrower's obligation (if the asset is sold), and/or (if the loan is unsecured debt such as a loan to a non-person) a lien or security of Lender's security, or other similar term that secures the loan. All loan documentation will retain this status even after the property is sold. All loan documentation will retain this status even after the property is sold. Loan status for owner-occupied mortgage loans is determined by either FICO score or a home sales appraisal. In the absence of any other information, FICO and/or the appraisal are used. The appraisal is required for all loan types that are not secured by cash, property or liens.

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