My brother (44) is divorced and already distributed half his 401K to his ex-spouse through a QDRO. Current home value: ~$600k, principal is $220k @ 4% fixed. He has $130k remaining in his 401k with Voya. He is considering hardship withdrawl but the only possible valid reason according to Voyas website is “Purchase of principal residence or costs related to your purchase.” Voya wants “purchase contract/agreement and sellers agreement etc” which doesnt exist-no option for “buying out spouse from divorce” Any other options to convince Voya to get his money?
He needs to pay spouse $157k to finalize and wants to stay in current home with special need kids. I was thinking to withdraw 401k (pay 10% and taxed at income of $130k) and apply for a HELOC for the remaining $66k or so at 7.5% (seems better than refi of $220k + $157k @ 7.5% for 30 year fixed.
Im well aware none of these actions are ideal but selling the home and taking out a new mortgage at 7.5% seems worse as he would be paying a fortune for a tiny house. Rent is preposterous right now
Any suggestions would be greatly appreciated, he cannot afford an accountant or a lawyer at this point so I am trying to help
​
thanks!
​
​
His situation does not qualify for a 401k hardship withdrawal. This isn’t Voya’s policy, it’s IRS rules.
Maybe negotiate another QDRO and have the plan distribute more to her?
Thanks! Makes sense
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