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Sep 28, 2017 - 34 minute read

Bank personal loan requirements

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Bank personal loan requirements

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Bank personal loan requirements

We had some extra funds in the bank, aside from our down payment and closing costs. The next person the borrowers heard from was their loan officer, the same person who had originally told them bank personal loan requirements cash reserves werent necessary.

The loan bank personal loan requirements came back and said, the underwriter now says you need six months of cash reserves in the bank, before closing. Thats 20,000 we hadnt accounted for up front, based on the loan officers original statement. There was no way we could pull that kind of money out of thin air. At the time of publication, Brad and Melinda were in the process of switching lenders.

They found another lender who did not require any reserves on VA loans. Frankly, he was scratching his head over the whole thing, Melinda added.

He looked at our credit scores and other qualifications, and could not imagine why BofA would require so much money in reserves.

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