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The Hidden Mortgage Superpower Most Buyers Never Hear About Reserves are the silent strength that can elevate your entire approval. Here is the truth most first-time buyers are never told. After your down payment and closing costs, lenders look at what is left in your accounts. These remaining funds are called Cash Reserves, and they are measured in months of total housing payments, including PITI and HOA. Why does this matter? Because underwriters absolutely love reserves. Showing even 2 to 6 m
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