Complex sentence: Each bank or lender's asset and reserve requirements will vary, and low payment programs such as negative amortization may require 3-4 months of assets for an owner occupied home because of the relative risk of such a loan.
Split into simpler sentences: Each bank or lender's asset and reserve requirements will vary. Low-payment programs such as negative amortization usually required 3-4 months of assets for an owner occupied home because of the relative risk of such a loan.