Where's the nearest cash machine? http://al4a.fun/al4avideos/ al4a One way to avoid this extra step is to "season" the funds by transferring them ahead of time. "The typical method to do that is to get the funds and let them sit awhile," Rosenbaum says. The precise timing depends on when the borrower's bank statements close, but most mortgage lenders will want to see two complete months of bank statements. Money deposited prior to those two months would be seasoned enough not to be scrutinized as a gift.