I had same experince as you got now. CITI bank helped me got the

回答: 關於購房down payment資金的問題福大命大2012-11-04 10:54:39

1. you can borrow money from you IRA account and returned it in 60 days. you need to report the borrow in next year tax return but no penlty and interested. I have asked IRS this.

2. Go to directly lender like citi bank. but there is almost no money to cover you close fee.

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