Should You Buy Down Your Mortgage Rate With Points When Home Prices Are Still High?
Learn about buy down mortgage rate points. Discover if paying points makes sense when home prices are high and how to calculate your break-even timeline.
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Mortgage Rate Buydowns Explained: Is Paying Points Worth It?
One point costs 1% of your loan and cuts your rate by ~0.25% — but you'll need 5–7 years to break even. Here's how to tell if buying down your rate is worth it.
Interest Rate Buydowns Explained: Should You Pay Points to Lower Your Rate at Closing?
Each discount point costs 1% of your loan and cuts your rate ~0.25%. With rates near 6.7%, here's how to calculate your break-even and whether buying down makes sense.
The Hidden Costs Inside a Mortgage Rate Quote Most Borrowers Ignore
Learn about mortgage rate quote fees. Discover the hidden costs buried in your quote—origination charges, discount points, and lender fees that raise your true cost.
Discount Points vs Lender Credits: Which Rate Trade-Off Wins Based on How Long You Stay
Discount points win if you stay 6+ years; lender credits beat them in under 4 years. See the break-even math and closing costs that matter.