Some lenders have had seasoning requirements (at least historically, they did). A theory as to the reasons ? …. I guess the reason is that the amount put down reflects the borrower’s interest. If it comes from a third party (gift), then they might be more likely to bail in the future. I have no idea how many lenders currently require this, but from personal experience in the past some loans required you to supply several months of bank statements. Large deposits during that period may require explanation.
From a borrower perspective, Underwriter demands are not predictable across the board.
