🎯 Points & Buydown
Should You Buy Discount Points?
See what paying points to lower your rate costs upfront — and exactly how long until it pays for itself.
See what paying points to lower your rate costs upfront — and exactly how long until it pays for itself.
Buying points makes the most sense when you plan to keep the loan past the break-even point. If you may sell or refinance sooner, the upfront cost may not pay off.
Your break-even point is when your accumulated monthly savings equal the upfront cost of the points. After that, the savings are pure benefit.
| Cost of Points | — |
| Monthly Savings | — |
| Lifetime Net Savings | — |
This tool gives you a solid starting point — but your actual rate, point cost, and buydown options depend on credit score, loan type, and lender. We shop 50+ lenders for you.
We shop dozens of lenders simultaneously to compare point pricing and rate options for your profile.
Banks only offer their own products. As a broker, we bring competition to your mortgage search.
Know your real rate and buying power before you start shopping — fast and at no cost to you.
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