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Tag: asset verification

1 article tagged “asset verification”
Mortgage

The Large Deposit Question: Verifying Assets With an AI Agent Under Fannie Mae B3-4.2-02, and Where Asset Sourcing Meets the Bank Secrecy Act

Asset verification looks like adding up account balances and is actually a sourcing investigation. The 50 percent large-deposit rule, funds that have to be the borrower's own, gift documentation, and the point where an unexplained deposit stops being an underwriting condition and becomes a source-of-funds question a regulated lender cannot ignore. Where an AI agent reads bank statements, what it flags, and the line between an eligibility problem and an AML problem.

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