6d • 🤔 General discussion
Should You Pay Discount Points?
Discount points can lower your interest rate but they come with an upfront cost.
The real question is not “Is the rate lower?” it is “How long am I keeping this loan?”
If you sell or refinance before the break even point you likely never see the benefit.If you plan to stay long term it can be a smart move.
This is why strategy matters just as much as the rate. Always run the numbers before deciding.
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Should You Pay Discount Points?
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