Organize deposit questions before they become last-minute conditions.

Short answer: A large-deposit review identifies unusual deposits, records the applicable statement period and account ownership, and organizes possible sourcing or exclusion documentation for review under the current loan program and lender requirements.

What the instrument helps organize

Deposit inventory

Record deposits consistently instead of relying on margin notes or memory.

Possible exclusions

Separate items that may not require the same treatment, subject to the applicable guidelines and lender review.

Sourcing questions

List the documents or explanations that may be needed before submission.

File notes

Create a clearer handoff for the processor, loan officer, or underwriter.

How to use this instrument

1. Enter the account owner, statement period, deposit date, amount, and description.
2. Classify each item only from the documents available; do not assume the source.
3. Use the guide to organize possible exclusions and documents that may be needed.
4. Confirm the applicable threshold and treatment under current agency, investor, program, and lender requirements.

Expected output: A deposit inventory and sourcing follow-up list. The tool does not decide whether a deposit is acceptable.

The tool does not decide whether a deposit is acceptable. Always verify the current agency, investor, lender, and program requirements for the specific file.