Sharon Rasos NMLS 364032, Mortgage Consultant

06/30/2026

06/24/2026

Day 2 of 5: 401k and Homebuying
Taking out a 401k loan

A 401k loan allows you to borrow against your own 401k and pay it back under your plan’s rules. The interest usually goes back into your account, and repayment is usually deducted from your paycheck.

For mortgage qualifying, the payment is generally not counted in your debt ratio. But make sure the repayment works with your monthly budget.

Check with your plan administrator for your plan’s rules.

06/23/2026

New Bobby & Sharon series:
"Sweetheart, talk mortgage to me."
Can your 401(k) help you buy a house?

06/23/2026

Your 401(k) may be one of your homebuying options. Day 1 of 5 of my 401K series starts here.

06/16/2026

Most buyers think about the down payment first. That’s a good start.

But you also need to know your closing costs, prepaid expenses, and how much cash you actually need to bring.

Talk to me, your Mortgage BFF, early so you know your real number before you make an offer.

01/15/2026

Nothing a good adobo cooked by my grandma couldn't fix. 😉😋