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In some cases, borrowers dont learn about cash-reserve requirements until after theyve applied for the loan. That was the case for Brad and Melinda, a pair of veteran home buyers in Carlsbad, California.
They applied for a VA loan through Bank of America. Cash reserves were not mentioned up front. But it brought the mortgage process to a screeching halt just days before closing.
We specifically asked payday loans online no bank account needed about it when we applied for the loan, Melinda explained. We knew a lot of lenders were requiring cash reserves these days, so we asked them point-blank. The loan officer told us no, there arent any cash-reserve requirements for VA loans. We moved forward based on that. Both borrowers had excellent credit scores above 800.