I used to move my 401(k) money over to Vanguard quarterly, even though I still worked for that company. Did the rules change? Maybe you need to talk to a supervisor. The rollover rules require that you move to the same account type, so you can’t move a SEP-IRA to an IRA, etc. But they should be able to set up an appropriate receiving account. Are you talking about the $10K you can withdraw penalty-free for the purchase of your first home?