yep.
i had my wedding a few months before and they gave me a ton of shit about my deposit and withdrawl activity…
i had to get documentations that some money was a gift etc…
then, since i recieved money, i lost the closing cost grant.
because I used some for my down payment.
apparently, they did not consider it my money…
and the lady @ HSBC was nice enough to NOT call me when we ran into
endless paperwork holdups. homeowners threatend to sue me…
that got them to hurry right along.
but, i have a 4.25% mortgage. 
and still reccomend the program.
so long as you have money in your accounts for a year i think they do not bother you.