I have a huge dilemma. I am trying to buy my home close by april3

[Denice M grubb]

My husband was not great at keeping ahead on the bills .So the house we are in we have a contract to close on before April 30 th or we lose 27,000.00 down and our home and will have to move my husband has a 6 figure income but I have been trying to repair our credit.its now  at 650 and hoping by April1st  first it would go to 700 then we are safe.But I took out an unsecured loan to pay an Irs tax lien and it was better than all the penalties an interest from the IRS. But we were eligible for more so they wire it right to your bank and it does not record on your credit ( it's for doctors) but three kids thru college and his 14 years of college an loans money has been tight.we don't drive fancy cars or blow money.I

SO WE thought since it doesn't show on your credit and it went into my account today and I already pulled my bank statement 2 month up till before it got deposited.Could I have someone write .e a check as a gift give it back after closiing so nervous.or any other ideas we are desperate.