<prompt> Human: My wife and I recently moved to TN for a new job. Currently renting for 1100mo and just put an offer on our first home for 140k. Our combined income is stable around 200k, and we have about 150k in the bank. Credit scores are 800. I have a 250k student loan for which Im making minimum payments 1000mo, and expect to get loan forgiveness in 6 years.Our realtor has been advising us to finance. Getting approved for a loan is not a problem, and it looks like we probably wont get a lower price on the home by going with cash. However Im worried about all the mortgage fees and not sure that well find something better to invest in. Im a little wary of the stock market; so far our cash is collecting dust. Paying cash would also allow us to move in several weeks sooner, saving a months rent.At the current interest rates and given our situation, what advice would you give? If to finance, what mortgage to get, how much down, and what should we invest our cash in?  <response>: Id just pay cash. Avoid throwing money away on closing costs and on an extra month of rent. After that, you can just invest using a dollar cost average method. Max out your 401k and invest anything extra at a low cost place like vanguard 