Can You Borrow From Your 401k and Buy a House? Heres What Fidelitys Home Loan Gets You!

Sat, 18 Apr 2026 04:51:00 +0000

**Can You Borrow From Your 401k and Buy a House? Here’s What Fidelity’s Home Loan Gets You!** Ever wondered if dipping into your retirement savings could help get a head start on homeownership? With housing costs rising and many U.S. households straining under mortgage debt, the question “Can You Borrow From Your 401k and Buy a House?” is gaining real traction in 2025. Smart savers are exploring every possible path to homeownership—including options that blend retirement credibility with home financing. Fidelity’s unique home loan program opens new pathways, offering borrowers a chance to strengthen both their financial flexibility and long-term stability. This article uncovers the truth behind borrowing from your 401k for a home, explains how Fidelity’s offering works, and addresses key concerns so you can make informed, confident choices. **A Growing Concern: Stagnant Wages vs. Rising Home Prices** The U.S. housing market remains tight, with median prices well above typical first-time buyer thresholds. Meanwhile, annual income growth—especially in key demographics—often lags behind inflation and housing costs. Parents, millennials, and even pre-retirees face pressure to stretch every dollar. In this landscape, financial tools that bridge savings and major life goals are under scrutiny. The idea of using tax-advantaged retirement accounts—like a 401k—to support home purchase eligibility is neither new nor fringe; it’s evolving as a real conversation point. Fidelity’s home loan product exemplifies this shift by allowing qualifying borrowers to account for 401k balances in approval calculations, unlocking access for those previously locked out by traditional metrics.