Freddie Mac: Gift to my wife is not a Gift

[Brandon G.]

I'll try to sum this up with an effort to be succinct.  Local bank gave us a 30 yr fixed rate through Freddie Mac on our first duplex.  The duplex and loan will be in her name only.  We're going to be using a small part of some funds I have with an investment firm to cover part of the costs of the deal, plus the money we have saved in our joint account.  The problem is that I only added my wife's name of the investment fund on January 13th.  We've been married for 4 years.  They are considering any money from this fund a gift to my wife since her name hasn't been on the account for 60 days.  The loan officer at the bank has looked into every avenue he can think of but we are stuck for 60 days until we can get two full monthly statements with my wife's name on it.  We would have to come up with accounts prior to January 13th that had my wife's name on it before that time to pay for the property.  Does anyone have any ideas on how to expedite this process or convince Freddie Mac that this isn't a gift, by their definition?

Thanks