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At first, he said the borrowers would need two months worth of cash reserves to close the loan. We were surprised by this, since we had asked about it in advance, said Melinda. But we figured it was still do-able. 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 that cash reserves werent necessary.
The loan personal loans in denton texas 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.
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