What Most Lenders Won’t Tell You About Points
Pay points or skip the cost?
In this video, mortgage expert Chris breaks down one of the most common questions buyers ask: “Should I pay points to get a lower mortgage rate?” Using a simple real-world example, he shows how to calculate whether it’s worth it to pay $8,000 upfront to save $266 per month.
You’ll learn:
What “points” actually mean in a mortgage
The return-on-investment (ROI) calculation
When it makes sense to pay points—and when it doesn’t
Tax deductions for points
Why other lenders might be hiding the real costs
Whether you’re refinancing or buying your first home, this is the straight math you need to make the smartest decision.
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