Recently while I was on leave our bank decided to start providing $200 to those who applied, were approved, and executed a fixed-rate conventional mortgage loan. At first they started listing it as a lender credit, but then it messed up the cash to close calculation giving the client $200 more than they were supposed to receive. The gift is provided in the form of a cashier’s check and can be used however the client sees fit. How do you feel about this? How should it be disclosed? Is there anything else to consider?