My suspicions too

I wonder if SIL thought she could waltz out of the bank with that money in hand, and go spend it on fun stuff. Like she’s apparently been doing with her cc’s for awhile now. With ever-more-stringent loan conditions, no mortgage lender could hope to approve a loan for your mom without having already checked into this stuff and seen that not everything is, as it appears to be. I think I hear a faint “tick tock tick tock” on SIL’s money romp coming to an end.