should we pay off house

unfortunately I don't have enough write-offs to use the interest. yes at this moment it is liquid. looked at long term investments, but Schwab says do not expect over 3-4 % for some time.
our funds have lost 21% since last year. we really do nor want to lose more.

try https://www.fatwallet.com/forums/finance/

Some say never pay off the house because the typical return on long term investments is well above what you're paying interest.

Remember though: the effective interest rate on the house is reduced as you can write off the interest payments.

If you're really going to have that money sitting in a 3% interest bearing account, yes, you may be better off paying off the house, but it's right on the line... Probably within 1% spread either way.

If that money is sitting in long term investments such as index mutual funds and you won't have immediate need of it, don't pay off the house..

Course, you should ask someone else for their opinion. Start with people who are not trying to see you investment products.