Trying to save my home can i sell my retirement or acess it at age 45 i dont care about penalties?

if so who or how

Talk to the plan administrator that runs the retirement plan. Some plans offer hardship with-drawls. If you qualify, you may be able to up to one half of your total account value. (or, you may only be able to get the amount that you would need to catch up any back payments you owe on your home) These are usually subject to a 10 percent penalty on your taxes (which would be on next year's taxes since it is past Jan. 1.)

But, like the previous post mentioned....will it really help you? If it is a quick fix and you think you will end up in financial distress again within a few months with nothing left to fall back on, then you may want to look into other options like bankruptcy or check with your mortgage holder. Have you used up all extensions and deferments that may have been available?

If it's a ROTH IRA you can take out the initial money you put into it without penalty, just not the interest. If it's something else, you may be able to take out money if you put it back in within a certain amount of time. The plan manager or the company may be able to tell you how.

If you end up with IRS penalties, they could be 10% or more. Figure that out and take out more than you need.

However, ask yourself what your plan is in six months if you're not in a better financial position. You could lose your house AND have no retirement.

Personally, perhaps you could talk to a bankruptcy specialist first.

I'm sorry for your problems.