<prompt> Human: I have money in some money in stocks but I dont love banks and Im quite sure that it is frowned upon to just be holding cash before a big purchase. Just need some help with what I should do to make the banks trust me as a buyer.  <response>: You need to prove to them that you have the down payment, the only way to really do that is to have the money in an account somewhere.Secondly if you all of the sudden deposit the entire downpayment they might need some documenation for where the money came from, to make sure it isnt from a loan you didnt disclose. 