這樣的情況，你應該從你現在的房裏把錢借出來，千萬不要動你的IRA！我有講過把錢從投資房裏借出來的好處！

In your case, I would refinance to get a fixed rate mortgage from your current primary home and use the money to buy your new primary home. 

http://blog.wenxuecity.com/myblog/72332/201707/3102.html

http://blog.wenxuecity.com/myblog/72332/201707/12960.html