The lender uses the bank account to make sure for the payments certain bills are paid, debts that might otherwise cause the lender problems if they are not paid. A lender account is good from the perspective of the lender. The cushion is required to make sure there is money in the account to clear [...] A lender does not really trust you even if he is giving you a home funding for hundreds of thousands of dollars. As a result it demands for a bank account to be established, which is under its control.
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