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Hey, Kyle, here with the winthehouseyoulove.com. I hate to bring it to you, but you can not use whatever money you want for your down payment and closing costs. In fact, when you get a mortgage anti-money laundering, laws require that lenders verify any large deposits in your bank account. So for a lot of people, if they cant prove why they have a large deposit, which Ill explain here in a little bit, if they cant explain why theres a large amount of money that got deposited into the bank account. It can kill their loan and they wont be able to close on a home. So that cash that youve been saving, maybe under your mattress over a period of time, you would likely cant use that to close on a home without this trick. So Im going to show you a strategy, a plan that you can put in place that is both suggested and verified by mortgage underwriters that you can use to make it easy to use, whatever money you want when you want to buy a home. Okay. So what ends up happening when you app