(Definition: Jumbo means that the loan exceeds the conforming limits established by the two GSEs mentioned earlier, Fannie Mae and Freddie Mac. ) My advice is to apply with another lender. You dont have much to lose by doing that.
But before you submit an application, ask them about their cash-reserve requirements. Tell them youve been denied for this reason before, and you dont want to go down that road again. Ask the loan officer who actually works for the bank or lender - not the broker. Do you belong to a credit union.
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