I feel bad for you man. Don’t know what to tell you.
Houses are depressedright now in most places and arent selling well. Cashing in the 401 might not be a good idea.
If you pay off a house it does not end. You still have taxes maintenance,and other expenses.
Still if the house is dragging you down it may have to go.
I wish you all the luck in th world and hope you find new employment. God Bless You man.
One thing you have have to is not pay the mortgage, but don't move out. I'm in real estate and and I have seen people live in there house for 2 years without the bank setting up the court date but of course every state is different. People were able to put a lot money away before they actually had to get out of their house.
You may be able to get your mortgage monthly payment reduced by going this route.(bankruptcy)
The private sector has been hit so much more than public sector, we need to do what is best as long as it is legal to get though obama’s economy.