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... you will find they have a section on annuitizing an IRA. In IRA lingo that is the official name of the 72t or SEPP distribution plan that allows you to begin taking penalty free distributions from your IRA before age 59-1/2.

Gotcha. Thanks. But when applying for a mortgage, they don't actually make you take a SEPP, right? They just look at it to make sure you can afford the payments by taking one?

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