> which I wouldn't mind having loaned, not a giveaway
It is fraudulent to make a down payment for a mortgage with borrowed money according to most mortgage contracts. IIRC even gifts from parents for down payments generally need to come with documentation clearly stating that it is a gift and not a loan.
as someone going through the mortgage process currently, I can specify that some of my down payment is a loan. Not sure what you are talking about. If you hide the fact that it is a loan, maybe it is fraudulent? But it very clearly is allowed as I can specify it in the paperwork.
It is fraudulent to make a down payment for a mortgage with borrowed money according to most mortgage contracts. IIRC even gifts from parents for down payments generally need to come with documentation clearly stating that it is a gift and not a loan.