No need to move assets around. Even if you'll be using them for your down payment or closing costs, you may be able to keep them where they are until you need them. When I write offers, I'll include withdrawal information for the seller and their agent, for certain types of accounts, so they can see the assets are easily liquidated to use in escrow.
I have a few lenders that I trust, both direct lenders with in-house underwriters that can close loans in 30 days or less, and brokers, who have the option of lending direct or using a lender they feel would be best in your situation. Not all direct lenders are order takers, or I wouldn't be using them. It's like saying if you work for Company A, they're more reputable. It's all up to the individual you're working with. Some are really good, some who work with brokers will tell you what you want to hear. When I hear "no problem" all the time, there will likely be problems. Some don't even care if they close your loan, because there are three more around the corner. I've worked with both, and keep the good ones.I also keep the good ones on stand-by if I start to see red flags from the "no problem" loan officers.
Feel free to contact me anytime with questions.