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Thats a little ironic, because if youre cashing out equity it usually means you need cash - not that you have all these reserves lying around. And Fannie Mae makes it very clear that you cant be taking cash out because you need the money. cash proceeds from a cash-out refinance transaction on the subject property, say the guidelines.
You may also need reserves for a primary usa payday loan near me if your credit score is below 660 or your down payment is on the small side. This is not universal, however - if Lender Smith kicks you to the curb, Lender Jones may put down the red carpet. It pays to shop. Calculating Reserve Requirements.