IRA and 401K accounts

The net cash value of pension funds, such as individual retirement accounts (IRA) or 401-K accounts, are acceptable sources of funds. Instead of cashing these retirement accounts, however, applicants are often allowed to borrow against the current cash value of these accounts.
Proceeds from these accounts are treated just like funds from investment portfolios. They should be documented with copies of the most recent statements, the disbursement check and the deposit slip.
Even if no loans are made against these retirement accounts, the vested balance can still be used to satisfy reserve requirements.