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Lender-approval and loan terms will vary based on credit determination and applicable state law - they may offer loans with fixed rates from 6 to 35 APR.
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A solid stockpile of documented funds can also serve as a compensating factor to help buyers overcome other potential deficits or issues with their loan file. Policies and guidelines will vary by lender, loan type and other factors. Lenders typically think of reserves in the context of your monthly mortgage payment. You may need to have a certain number of months worth of mortgage payments in the bank, to include the principal, interest, property taxes, homeowners insurance (and homeowners association dues when applicable).
Heres a look at a few situations that might require prospective VA buyers to have reserves on hand. Reserves for Jumbo VA Loans.
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Please be aware that missing a payment or making a late payment can negatively impact your credit score. To protect yourself and your credit history, make sure you only accept loan terms that you can afford to repay.