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Almost all jumbo loans (above conforming loan limits) have significant cash-reserve requirements. 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 personal loans ventura ca their cash-reserve requirements. Tell them youve been denied for this reason before, and personal loans ventura ca dont want to go down that road again.
Ask the loan officer who actually works for the bank or lender - not the broker.
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