I also want to say we dont stop our traditional investing there.

Traditional banks have strict guidelines they must follow. 

@Jay Hinrichs definitely a lot of vacations happening....on facebook it looked like half of the agents I know were out of town lol.August does tend to slow a bit traditionally as well while families get kids back to school etc too.Hope all is well Jay.

Traditional IRA is tax-deferred (you pay taxes on distribution). 

That's going to be a recipe for disaster, they're going to track all that mud inside.

This is what it would look like:$40,000 (Taxable account)       $19,049 (Convert Roth IRA to Traditional IRA: this money can't be used in 5 years)I would essentially repeat this over and over again and save tens of thousands of dollars in taxes. 

- yesWill there be a penalty - Maybe, it depends on how long the Roth has been open for and what type of funds are in it (contribution, gains, did you convert from Traditional?)

Turns out I was SUPER lucky to have gotten a traditional refi with them within months of purchase.

Traditional 30 year fixed @ 4.375. 

I thought about it, but ehhh, i wanted to stick to traditional.