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For example, VA loans do not require any cash reserves. But some lenders will impose cbi personal loan rate own requirements on top of the VAs minimum guidelines. In the lending industry, these are known as overlays. So they might tell you up front there are no cash-reserve requirements on a particular loan, and then later the underwriter comes back and says there are. Or they might disclose them in advance.
Either way, the end result is the same. You need to have extra money in the bank if you want to close the loan. Mortgage lenders are also requiring larger amounts of reserves, especially for bigger loans.
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