Strategy
401(k) loan considerations
Some plans permit loans that borrowers use toward a purchase. Plan rules, repayment terms, and employment changes all matter — verify with your plan administrator.
Education
The 2-Point Conversion
Advanced mortgage and wealth strategies worth understanding.
Go for Two
Situational plays, not universal advice
These strategies exist. Whether any of them belong in your file depends entirely on your numbers, your timeline, and guidance from your own tax and financial professionals.
Strategy
IRA and Roth IRA homebuyer concepts
Certain first-time homebuyer provisions exist in the tax code. Eligibility and consequences vary; confirm with a qualified tax professional.
Strategy
Larger down payment strategies
More down can change pricing tiers and mortgage insurance, but it also reduces liquidity. We model both sides.
Strategy
Seller credits
Negotiated credits can be applied toward allowable closing costs or a buydown, within program and investor limits.
Strategy
Temporary rate buydowns
Structures such as 2-1 or 1-0 reduce the payment in early years using prepaid funds. The note rate does not change.
Strategy
Permanent discount points
Prepaid interest that lowers the rate for the life of the loan. Break-even depends on how long you keep the financing.
Strategy
Gift funds
Gifts from allowable sources can support down payment or costs when documented to program guidelines.
Strategy
Paying down debt before qualification
Reducing specific balances can change qualifying ratios and sometimes pricing. Sequence and timing matter.
Strategy
Mortgage recasting
Where a servicer permits it, a lump-sum principal payment can re-amortize the payment without a full refinance.
Strategy
FHA vs. conventional restructuring
Mortgage insurance mechanics differ significantly. The better program can change as equity and credit change.
Strategy
HELOC and home-equity strategies
Second-lien options for renovations or liquidity, with variable-rate and repayment considerations to understand upfront.
Strategy
Investment property and DSCR (where available)
Financing evaluated on property cash flow rather than personal income, subject to investor availability and guidelines.
This page is educational and is not tax, legal, investment, or retirement-plan advice. Curb 31 does not make tax, legal, or investment guarantees. Retirement-account rules, plan provisions, penalties, and tax implications vary by individual and by plan, and can change. Borrowers should consult qualified tax, financial, legal, and retirement-plan professionals before acting on any strategy described here. Program availability and eligibility are subject to borrower qualification, property eligibility, investor guidelines, and market conditions.
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