<prompt> Human: Hey guys,Lots of good info here, home buying seems very situational, so Im here to ask a question.Im deployed national guard, my wife is pregnant, and we put an offer on a house for 335k today. The seller decides tomorrow at 11am.I make 55k a year from my civilian job now, 20k from reserve pay, and have 50k in the stock market, 4k in debt. 5k in my bank because I feel stocks are relatively liquid. Ive got enough available credit to cover any expense while I wait three days for stocks to clear and pay the credit off. Ive got 3k unrealized gains so my investments are doing well. These have been made over the past year.My wife newly owns a business from our home and makes between 2500-5k a month depending on holidays. That should grow, but shes Prego so will take some time off in a few months. Im also expecting a large...20-30k raise when I return from my deployment.Ive got a local lender offering 3.625 on a va loan for a monthly payment of 1944. Ive also got an offer from USAA for 3.75 no money down for 1993 a month. With USAA I can buy two points and drop the rate to 3.25 and my payment sits at 1821. Then I can put 10 down to drop it to 1700 or so.The house we made an offer on is large enough to never move, close to my job, and new construction. We dont plan on moving ever, but who knows. Its not a starter home, 3k square feet on 14 acre.Were both 30.My question is, would it be worth it to buy points at a cost of 7k or so to drop my interest and payment, buy no points and put 10 down from my stock account, buy points and put money down, or buy no points and put no money down and keep my stocks alive, making extra principal payments when I can?With a baby on the way the lower payment is attractive because 300 less a month will pay for the baby...But my investments will be dead and well be house poor. My take-home is about 5k a month, I pay rent and my wife pays the bills. Im really just looking for a sanity check...Is dumping my stocks worth the equity...Knowing we likely wont sell any time soon...I dont like the idea of paying double for my home, but I also know over the course of the next ten years Ill be able to pay it off early, maybe sooner if I dump extra money into stocks and they do well  <response>: If you pay down the mortgage earlier, youll be earning 3.625 on that money. If you leave it in the market, youll be earning an unknown amount. What do you prefer, a guaranteed 3.625 return or an unknown return? 