I thank you all for your answers. I do understand now. I am past full retirement age, so I wouldn't incur a "penalty" for the withdrawal. SweetieJean, I found the links you included to be a very good explanation. I guess it is all about "how" you look at the money you are repaying. If I didn't have the loan, I wouldn't have had "that" money. "That" tax free money is invested in my home, so, I will have to pay the loan money back with "taxed" dollars, which would have otherwise been used to invest in my home. Hope that makes sense. Once again, thank you all for your answers.
