Personal loan g the lending industry, these are known as overlays. So they might tell you up front there are no cash-reserve requirements on a particular loan, and then later the underwriter comes back and says there are.
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 personal loan g 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.
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