<prompt> Human: Apparently theyre asking for lots of his personal info, bank account details, balance on the account, etc. On top of that, now they want him to transfer the 20k directly to their escrow account to proceed with the transaction.I understand that cash transfer above 10k can come with some extra paperwork, but I dont see why the mortgage company would be involved with this transaction. I would think the transfer logistics should be between my dad and brothers banks, and once thats sorted out my brother can just make the down payment from his bank account.My brother lives in Texas, my dad in Michigan, if that matters.  <response>: This is very typical. The lender wants to verify that the borrower isnt borrowing more money just to cover the down payment, which is a giant risk factor to the lender. Its also normal to ask that external sources of down payment go directly to the escrow service rather than to the applicant and then to the lender. They also want to verify that your father isnt borrowing money to give for a down payment, so thats why they are inquiring about his finances. 