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Tag: gift funds

1 article tagged “gift funds”
Mortgage

Whose Money Is It, and Can You Prove It: Verifying Gift Funds and Down-Payment Assistance With an AI Agent Under Fannie B3-4.3-04

A gift toward the down payment is the one place in asset verification where the paper trail and the relationship both have to hold, and where the sourcing question quietly becomes a Bank Secrecy Act question. How we build an agent that documents the donor, the transfer, and the availability of funds, tells a personal gift apart from a gift of equity and a DPA second, and knows the exact point at which it stops verifying and escalates to a human.

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