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A jumbo loan is a loan in excess of the current 453,100 conforming loan limit in place throughout most of the country.

At Veterans United, we currently require jumbo borrowers to have the greater of two months of reserves or the number determined by the automated underwriting system used to evaluate your loan file. For cash advance n, if your jumbo loan carries a monthly mortgage payment of 2,000, then you could need at least 4,000 of documented assets.

Reserves must be in the borrowers name and cant be a gift. But lenders may be willing to count a percentage of your retirement account as reserves. Veterans United currently counts up to 60 percent, provided the cash advance n can access the funds prior to their actual retirement.

Some pension plans are only accessible once the person retires or quits their job.

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