Methods and systems provide a loan to a borrower. An identification of real property and a specification of a monetary amount to be used for future payment of expenses is received. A total loan value for the real property and the specified monetary amount is calculated. Approval of the loan secured by the real property for the total loan value is requested. A closing is initiated on the loan at which a customer depository account is funded with the specified monetary amount to provide future funds for payment of expenses incurred by the borrower.
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