The Mortgage Files

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

Illustration of a house with a dollar sign on one side and a stack of investment charts on the other, representing the choice between paying off a mortgage and investing

Should you pay off your mortgage or invest the cash instead?

By Scott Sheldon / October 22, 2025

When you come into extra cash—whether from a bonus, inheritance, or years of disciplined saving—you may wonder if it’s smarter to pay off your mortgage or invest that money. Both options can help you build wealth, but the right choice depends on your financial goals, risk tolerance, and the current economic climate. Understanding the Benefits…

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