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. I guess its true what they say. It pays to shop around. Why VA Buyers Might Need Cash Reserves. Your income and asset picture is important to the homebuying journey.

Lenders want to make sure you have stable, reliable income thats likely to continue.

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