A lot of people hear the same advice when it comes to buying a home…
“Don’t touch your 401(k).”
But what if that advice is costing you more than you think?
In this video, I break down a strategy most buyers don’t fully understand. It’s not about cashing out your retirement. It’s about how a 401(k) loan actually works, when it might make sense, and what tradeoffs you need to think through before using it for a down payment.
We’ll cover:
* How a 401(k) loan works compared to a withdrawal
* Why some buyers use it without triggering taxes or penalties
* The real cost of waiting in a rising market
* The pros and the risks you need to be aware of
The goal here is simple. Give you clarity so you can make a smart decision based on your situation, not outdated advice.
Every scenario is different, so make sure you’re looking at the full picture before making a move.
If you want help mapping out your options, schedule a quick strategy call here:
kevinbrierton.com/call
Or start your application here:
kevinbrierton.com/apply
NMLS 599873
Branch manager
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