As to the VA issue, it may be that Citizens First doesn't qualify to do VA loans. VA loans really do require a specialist who does almost nothing but these type of loans. The other factors may be that VA loans are much more paper stringent, have set rules about closing fees and interest rates, frequently have closing issues (and we know how TV is on closing on time) and give less money to the lender.
As to the original question, the simple answer is for a down payment, it depends on your lender; for the holding amount, it depends on your seller. Both are negotiable on a pre-owned.
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Army/embassy brat - traveled too much to mention
Moved here from SF Bay Area (East Bay)
"There are only two ways to live your life: One is as though nothing is a miracle; the other is as though everything is a miracle." Albert Einstein
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