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Keep the investment money. If you want to pay an extra mortgage payment each year or add a little to your payment to accelerate it and reduce interest over time, that’s a reasonable approach. But keep in mind that in addition to making more on your brokerage account than you’re paying in mortgage interest, you also can write off the mortgage interest in your taxes.
No, don’t put it down on your house. What will probably do you better is to wait to see if interest rates drop then refinance. How do you even know if this is your final home that you’re going to purchase?