Can IRA's be used as pledged assets?

I do not believe they can be used as collateral or security for a home mortgage.However you can tap into your IRA for down payment and/or closing costs.

Only in the hard money or commercial financing market. . conforming loan programs do not allow for pledged assets.. However, you can borrow against your 401K for the down payment.. this way, your funds are still at work and the monies you borrow, you are paying back at very little interest.. check with your 401K administrator about borrowing against it.. I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. William J. Acres, Lender411's number ONE lender in Arizona. 480-287-5714 WilliamAcres.com NMLS# 226347