First-time Homebuyer

Financing & Loans

Using 401(k) Loans or IRA Withdrawals to Build a House: Rules, Penalties, and Safer Alternatives

September 2, 2025 by Matt Harlan 22 min read

Learn the rules, penalties, and safer alternatives for using 401(k) loans or IRA withdrawals to build a house without jeopardizing your retirement savings.

Financing & Loans

Mortgage Credit Certificates (MCC) for New Construction: Lower Your Tax Bill, Raise Your Approval Odds

September 2, 2025 by Matt Harlan 21 min read

Discover how Mortgage Credit Certificates (MCCs) for new construction can lower your tax bill and boost mortgage approval odds. Learn eligibility and benefits.

Financing & Loans

How to Use State HFA Down Payment Assistance with Construction Loans (Without Breaking Rules)

September 2, 2025 by Matt Harlan 24 min read

Learn how to combine state HFA down payment assistance with construction loans legally. Avoid costly mistakes and maximize your homebuilding budget with expe…