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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. We knew a lot of lenders were requiring cash reserves these days, so we asked them point-blank.
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