I don’t necessarly think that the bank requires that your money be in cash. If that one particular lender requires that, then you need to work with a different lender. As long as you can show through documentation that the money has been in the account and has been seasoned for a few months, it doesn’t matter if it is in equities or money market. I have gotten plenty of loans with my etrade account as the primary account and those funds were in equities.
