Should your loan will become delinquent, any taxable percentage of the outstanding balance and accrued interest are going to be addressed as taxable cash flow because of the IRS. If you’re below age 59½, you'll have to pay for yet another early withdrawal penalty tax. See “Early Withdrawal Penalty Tax” https://homeloancalculator16666.bloggosite.com/34134903/getting-my-loan-rate-to-work