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Thanks in advance. You generally dont want to touch that reserve money until the loan funds to avoid any extra conditions or scrutiny. Hi Colin im in the process of closing in a few days and my lender requested 2 months of reserves which is in second chance payday loans online bank and the underwriters approved my loan how long do my money have to sit in the bank before i can use it.
You may want to look into construction financing andor construction-to-perm financing to determine how much cash youll actually need for down payment and reserves.
You wont be nervous if you prepare and know exactly what youll need to get approved ahead of time. My wife and I are looking to build a house on two acres we own. We have recently paid completely out of debt(vehicles and credit cards), and have 50k or so in a 401k and 10k in other dividend reinvesting stocks. We are starting to funnel cash into checking account now that debt is paid off.