Thats 20,000 we hadnt accounted for up front, based on the loan officers original statement. There was no way we could pull that kind of money out of thin air. At the time of publication, Brad and Melinda were in the process of switching lenders. They found another lender who did not require any reserves on VA loans. Frankly, he was scratching his head over the whole thing, Melinda added.

He looked at our credit scores and other qualifications, and could not imagine why BofA would require so much money in reserves. I guess its true what they say. It pays to shop around.

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