Mortgage lender wants to only use 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 my personal loan app 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.

We are not escrowing the taxes or insurance. Or, would that jeapordize the loan since I will still be on the title and signing the paperwork during closing.

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