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Title says it all-Are we allowed to use our 401K for all of the required reserves or do we need some cash and some 401K? The LO I spoke with mentioend we might need extra reserves due to a BK in 2012. I don't know how much extra but I am thinking 4 months total to be on the safe side?
Can I ask what your FICO scores are now 3 years out? I am one year out and wondering where I might be in 3 years. Also would these be your FICO 08 or FICO 04 (mortgage) scores? Thanks.
fha doesnt require reserves.
maybe a lender requirement for a particular program.
scores?
Mid score is 640. It would be higher but our UTI is high right now. We are working on bringing that down and score up.