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Im not sure if you fall into this category or not. You didnt say how big your loan will be. A MarketWatch article from earlier this year revealed that most lenders are requiring at least 12 months worth of cash reserves for jumbo loans.
(Definition: Jumbo means that the loan exceeds the conforming limits established by the two GSEs mentioned earlier, Fannie Mae and Freddie Mac.
) My advice is to apply with another lender. You dont have much to lose by doing that. But before you submit an application, ask them about their cash-reserve requirements. Tell them youve been denied for this reason before, and you dont want to go down that road again.
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