Question being is should my wife and I pull out of our IRA, 401(k, and savings input (put into the IRA account), and put that money for the next several months into a regular savings account? We have a great budget but all extra income doesn't go to savings but to our retirement accounts.It sounds like you're thinking of moving money out of retirement funds not because you want to use it as the downpayment but just because you want to show you have large reserves. I don't think you need to do this.When I was going through the pre-approval process, I had enough in my downpayment savings and efund savings, that my mortgage broker didn't even need to get confirmation of retirement fund assets. That leads me to believe that if my downpayment or efund had been lower, he would've just asked for confirmation of retirement assets - and not expected those assets be in non-retirement vehicles.If you don't have an efund, than if I were you I might lower contributions to retirement funds over the next 6 months to build up an efund. That way by January 2015 you could show that in addition to your downpayment, you have some cash reserves. And if you're looking to sell employer stock for your downpayment, I would start selling each month as a way to dollar-cost-average the earnings just in case the stock goes down in price over the next 6 months.