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@kkg337
The utilitarian answer is if you can gain interest on it as an investment greater than your mortgage rate, then do that and you are in profit at the end of the 24 years.
Obviously this places zero value on the psychological benefit of being mortgage free. (Which in turn is a fallacy if you have accessible liquid funds to pay it off at any point.)
You won’t struggle for credit with a steady income that is enough to (theoretically) pay a mortgage and a home that you own.