How to ask for money

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The bank will have asked to see ALL accounts she currently owes as of the date of the mortgage application which would include the photographer. When they check her financials again, they will see it's been paid. They will assume she paid it.

View Quoted Comment Bills to vendors they do not see as they are not attached to her SSN. They literally have zero way of tracing this to her, as their reports are all connected to her social. Usually around 72 hours before close, they pull the most updated credit report before giving the clear to close - not a single wedding vendor asks for SSN, and mortgage lenders make decisions based off credit reports and formal bank statements. If a third party paid a vendor direct, the lender has NO WAY of knowing that.

View Quoted Comment Please don’t share false information.

This is a one time, under $1000 bill for services that would not upset any mortgage. There is no long term many payment contract that should have been stated in advance ,and there will be no consequences for paying it. If they did not pay it, after signing g papers that they would, the photographer could file a complaint that would get the attention of the credit bureau. THAT would be a problem. Defaulting would be a problem. Since your application wasade while u married, you have had to assure them of your future marriage. These are real people, bank officers and credit people know wedding is cost money. The tests are, is it exhorbitant, beyond reason for your income or for the service? No, it is not foolish spending, and the sum is reasonable. Having agreed to pay this bill, do you in fact pay it, or default? Pay it, and there is no issue. Don't, causing a complaint to be filed against you , would create an issue. Paying won't. Paying won't show, only defaulting will show.

Well, depends on your relationship with your father. My passive aggressive personality would normally just crack a bunch of jokes about my dad being too frugal until he got the hint. But you know, there’s other ways.

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I'm not sharing false information, dear. This situation happened to my cousin and his fiancee just last year.

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If they included this debt on their mortgage application, it certainly will be considered, SSN or not.

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Why would they? They might have said the overall total of what their wedding would cost, but they wouldn't itemize it. That would be silly. And a 3rd party paying another 3rd party via check cannot be tracked. They track credit cards, loans, and regular bills such as rent and utilities. They look at your bank statement. 3rd parties dealing with each other would not appear on OP's bank statement.

They will ask if anyone is giving you a financial gift to help pay closing costs or down payments, but not whether they're paying $800 to a wedding vendor as a one time cost, As long as you meet their Debt To Income ratio, they simply don't care.

We are getting married September 6, 2020. We are paying for everything, except his parents offered us a gift of $1000 to spend as we please on the wedding. I don't have a good relationship with my family, unfortunately, so we aren't even going to ask. We are cutting back on what we can to make sure we can do it.