OP, I am curious as to what your DTI is. Mine is currently at 48% and I was told I need to have rougly around 3600 in the bank as reserves. I'm going VA btw

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Starting Score:TransUnion: 698 (12 FEB 2010), Equifax: 674 (12 FEB 2010)
Current Score:TransUnion: 703 (11 NOV 2012), Equifax: 637 (11 NOV 2012), Experian: 628 (11 NOV 2012)
Goal Score:All scores 700+ by Dec 2013!!

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