I do not think it is advisable for you to retire with a 30 year mortgage hanging over your head, especially if you cannot pay it off without dipping in to retirement funds. Also, you said it makes you uncomfortable to retire with the 30 year mortgage hanging over your head, and I don't think it is advisable for you to retire if you are financially uncomfortable, your discomfort will not go away, it will only exacerbate once you retire and no longer have earned income coming in to pay that mortgage every month.
So, in short, it's not advisable to dip into retirement funds to pay off your mortgage, and it's not advisable for you to retire with the mortgage, so I do not think it is financially advisable for you to retire.
You also said in another thread that you have credit card debt and a car loan and less than 3k in cash reserves in addition to your 347k mortgage on your 460k house. You are asking questions about how to move around money or increase your cash reserves, which are all good questions, but if you step back and look at the bigger picture, I do not think you are in a situation where it would be advisable to retire in the next 3 years. I'm not saying you can't...clearly you have enough savings that you could do it and you would be ok for a while depending on your spending rate (which we do not know, that is an important factor), but I suspect based on the fact that you have a big mortgage and an expensive house that is not cheap to maintain (property tax, maintenance, insurance, utilities, HOA?) credit card debt and a car loan at 61 that you are used to living at or above your means and you may have a relatively high spending rate and you may be spending down your savings to keep yourself going in retirement for a while until the funds run out and that would make me uncomfortable.