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You may need to have a certain number of months worth of mortgage payments in the bank, to include the principal, interest, property taxes, homeowners insurance (and homeowners association dues when applicable). Heres a look at a few situations that might require prospective VA buyers to have reserves on hand. Reserves for Jumbo VA Loans.
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 borrowers to have the greater of two months personal loans ottawa il reserves or the number determined by the automated underwriting system used to evaluate your loan file.