2d • 🤔 General discussion
Quick mortgage myth-buster
Paying discount points is not automatically “smart” or “bad” — it’s a math decision.
The real question is your break-even point.If the monthly savings don’t outweigh the upfront cost before you sell or refinance, the points didn’t do their job.
Simple rule of thumbCost of points ÷ monthly savings = months to break even
If you plan to stay long-term, points can make senseIf you plan to move or refinance sooner, cash may be king This is exactly why strategy matters more than rate shopping.
Drop a 🧮 if you want help running your numbers.
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Quick mortgage myth-buster
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