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This puts up a major hurdle for some borrowers. In some cases, it will kill the rbs citizens vs premier cash advance even when the borrower passes all of the other requirements with flying colors. Well-Qualified Borrowers Being Rejected. In some cases, borrowers dont learn about cash-reserve requirements until after theyve applied for the loan.
That was the case for Brad and Melinda, a pair of veteran home buyers in Carlsbad, California. They applied for a VA loan through Bank of America. Cash reserves were not mentioned up front. But it brought the mortgage process to a screeching halt just days before closing. We specifically asked them about it when we applied for the loan, Melinda explained.