Originally Posted by David Wilson

If you're speaking of a 401, most of them allow you to borrow money to purchase your principle residence. The money would have to be paid back to the fund or you will be taxed and penalized.
This is a useful tool to get into a house. But 30 years is too long. Unless you plan on renting it out, try to find a good 15 year loan.
Or just leave your retirement money alone! You young guys may not realize that you are on a lonely island as far as your retirement goes. No more company pensions. Big business changed the playing field with the use of the 401.
Good luck to you.