The Mortgage Files

Nationally syndicated mortgage news and advice from Senior Loan Officer Scott Sheldon.

Should You Pay Off Your Mortgage or Invest the Cash Instead?

By Scott Sheldon / October 27, 2026

Paying off a mortgage offers guaranteed interest savings. Investing may offer growth, but it also brings risk. Here is how to weigh the decision.

Will Paying Off My Mortgage Hurt My Credit Score?

By Scott Sheldon / May 2, 2015

No one actually wants a mortgage. A mortgage is simply a means to an end, if you don’t have the cash. Ridding yourself of the financial obligation is the next best thing, but could it come at the expense of your credit score? What to know… Mortgage Affects On Credit Score Nothing can help or…