The actual underwriter may know what is going on but you never meet the underwriter. The person you meet is basically a sales person working from a printed list of documents. My son-in-law had his downpayment funds in an investment fund that only issues statements every 6 months. The bank insisted on two consecutive quarterly statements. After telling them over and over again, they bank finally accepted two *identical* semiannual statements but they had to be notarized by the investment manager. Sigh.
