VA buyers seeking a jumbo loan may need to meet reserve requirements. A jumbo loan is a loan in excess of the current 453,100 conforming loan limit in place throughout most of the country. At Veterans United, we currently require jumbo small personal loans rome ga to have the greater of two months of reserves or the number determined by the automated underwriting system used to evaluate your loan file.
For example, if your jumbo loan carries a monthly mortgage payment of 2,000, then you could need at least 4,000 of documented assets. Reserves must be in the borrowers name and cant be a gift. But lenders may be willing to count a percentage of your retirement account as reserves.
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Once you select the state you reside in, you will be notified of the type of loan products available. As always, please review your loan documents carefully before you sign to ensure you understand the type of loan and terms being offered.