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This money was from repayment of a personal loan that I gave to my boyfriend in 2014. Any advice on how to handle this situation. Thanks in advance. You generally dont want to touch that reserve money until the loan funds to avoid any extra conditions or scrutiny. Hi Colin im in the process of closing in a few days and my lender requested 2 months of reserves which is in my bank and the underwriters approved my loan how long do my money have to sit in the bank before i can use it.
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