@nateloans: Your lender doesn't have one rate. They have a menu. 📊 Every lender works off a pricing grid, which gives them three ways to price your loan: the base rate with no points, a lower rate you pay points for, or a higher rate that comes with a lender credit toward closing costs. None of them is automatically the "right" one. The number that decides it is your break-even point: cost of the points divided by monthly savings (or credit received divided by the higher monthly payment). Short break-even can be a great deal. Five years or longer, and there's a real chance you refinance before it ever pays off. Save this before you compare loan estimates. 🏡 Want me to look at your numbers or review a loan estimate you already have? Book a free 15-minute call through the link in my bio. *Math note: on a $400K loan, the 6.75% option saves about $134/mo (not $166) and the 7.75% option costs about $137/mo more (not $172), so break-even is closer to 2.5 years. Still a good deal, and the framework is the same.* . . . #homebuying #mortgagetips #mortgage #firsttimehomebuyer

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Friday 02 October 2026 20:45:22 GMT