Do you belong to a credit union. If so, you should ask them about their mortgage options. Credit unions often have less strict criteria for their members.
As a general rule, the larger banks (Wells Fargo, BOA, etc. ) typically have stricter requirements than community banks or stateregional lenders. So cast your net far and wide. Disclaimer: This article answers the question, Are there any lenders that dont require cash reserves.
Bear in mind that mortgage lending can be a highly individualized process. Some borrowers encounter stiffer requirements as a result of having a higher risk profile, as measured by credit scores, down payments, etc. Every lending scenario is different.
If you accept these terms, the lender will deposit money directly into your bank account as quickly as the next business day.
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