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Question

I would like to perform some needed home improvements on my new home purchased in January,fencing,workshop etc..I have a 401k account,is it possible to redeem moneys from my account to do these improvements?

Submitted: 769 days and 21 hours ago.
Category: Home Improvement
Value: $15
Status: CLOSED
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Accepted Answer

Hi XXXXXXXXX;

It is possible but you would have to pay the taxes on any amount that you withdraw plus a penalty.

You may be able to get a second mortgage to do the improvements with. Once the improvements are done then you can have the house and property re appraised, and consolidate both loans into one.

Best advice would be to contact your bank and a financial planning expert. They mayy have other options that you can persue.

If this has answered your question click the green ACCEPT button.

If you have other concerns in this matter please reply here in this thread.

After you click ACCEPT. Please leave feedback.

Best regards; The Home Smithy

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Expert: The Home Smithy
Pos. Feedback: 98.4 %
Accepts: 
Answered: 10/14/2007

Jack of all trades Master of a few.

#1 Home Improvement Expert. Over 30 years experience in construction, and home repairs

769 days and 20 hours ago.

Reply

What are penalty amounts?

Posted by The Home Smithy 769 days and 20 hours ago.

Answer

I am not sure about now but when I withdrew monies from my account back in 1980 they were about 13%. So It is a significant amount.

Personally I highly recommend that you leave your 401k where it is untill you talk to a finincial planning professional.

 

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