We are building a new 328,000 home and have been pre-approval. I make 86,000 a year husband 77,610. We have 20 down plus 7,000 closing costs in our joint checking but this will deplete our savings MM. Husband has 203,000 in 401K, I have 89,000. Mortgage lender wants to only liberty lending personal loans my husband on the loan but I will be on the title.
Can his 401K be used as assets without without actually withdrawing and depositing into our joint account. Also, I have a separate checking account for my personal spending money. Since I will not be on the loan, can I take a loan from my 401K to deposit into my checking account to use for expenses such as to pay the insurance in full on the new home for the full year.
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