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They also had a flawless, ten-year history of paying their debts on time. They had more than sufficient funds to cover their closing costs and down payment. They were, by most standards, well-qualified borrowers. Five days before their scheduled closing date, the loan underwriter raised a red flag and put the process on hold. At first, he said the borrowers would need two months worth of cash reserves to close the loan. We were surprised by this, since we had asked about it in advance, said Melinda.