Jim, I would need more info on how he collected the $15,000 cash hoard. Did he just gather it over years, hold back some cash over a few months, what?
We cannot counsel him to do the check with mom or to structure his deposits. I would have him just deposit it in the bank. It will get reported on a CTR, but if he reported it then who cares. I cannot really help with how the mortgage company will view it, but unfortunately he should have kept his money in the bank knowing he would want a house.