This is a decision you will need to make based on all the information you have. I agree with and have a mortgage currently beause the rate was so low and my investment rate of return has been in the double digits. Why would you not borrow at say 2.5% if you make 10% or more? Financially it is a sound move for me.
Social security is the same if you are in poor health or none of your relatives live to 60 or you need it to live yes take it now, but if you have the means to do without until 70 (by pensions, cash or you continue to work ) the Social secity is returning a rate of about 8% ( I believe ) for the years leading to 70, You may consider a delay even if you wait a year per the tables you should end the same. You can figure it out,,,in mine if I live to I think it was 79 I will have more money. Since my parents lived to 86 and did not have a healthly lifestyle that should not be an issue. My financial planner made my life expectency 90 ( he also said it was just a guess and he would adjust to my idea if I knew something ) But you also never know, I have seen children die 20-30 years younger than their parents. You also could talk about quality of life and what will you need the monies for after a certain age....
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