Or they might disclose them in advance. Either way, the end result is the same. You need to have extra money in the bank if you want to close the loan. Mortgage lenders are also requiring larger amounts of reserves, especially for bigger loans. The average requirement for conventional mortgage loans (among those lenders that require cash reserves) is two months worth.
This means the borrower must have the cash equivalent of two months of mortgage payments in the bank, before closing. Some lenders are even requiring six months worth of reserves.
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Late Payments Hurt Your Credit Score. Please be aware that missing a payment or average rate on a personal loan a late payment can negatively impact your credit score. To protect yourself and your credit history, make sure you only accept loan terms that you can afford to repay.
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