I’ve saved 3 months of payment shock & have my MRF. I’m just waiting for my next appointment to be submitted for qualification. All funds used for payment shock and MRF came directly from my income.
However, I have money invested in my Robinhood account that I do not plan to use for NACA in any way. An emergency came up, and I’ll need to sell some of my stock/crypto (a few thousand) and withdraw it as cash from my primary checking account. If it has no impact on my payment shock & I write an LOE, will that be sufficient? Or will I no longer be able be eligible for qualification?
Go ahead and do that. Write a letter of explanation and keep the receipts. As long as all statements show the transaction and the you have the bill for your emergency you will get qualified without a LOE.