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.

Reverse Mortgages: When They Make Sense—and the Risks You Need to Know

By Scott Sheldon / December 17, 2025

For many retirees, the majority of their wealth is tied up in their home. Over time, that house becomes more than a place to live—it becomes a significant financial asset. A reverse mortgage offers a way to turn part of that home equity into usable funds without selling the property or taking on new monthly…