Title: Does Paying Points on a Mortgage Make Sense? Word Count: 513 Summary: You've found your dream home and are now ready to start shopping for a mortgage. Several lenders have talked about points. You've heard that paying points is the only way to get a low interest rate. But is increasing your initial costs worth getting a lower rate? Keywords: finance points Article Body: You've found your dream home and are now ready to start shopping for a mortgage. Several lenders have talked about points. You've heard that paying points is the only way to get a low interest rate. But is increasing your initial costs worth getting a lower rate? For most people, paying points doesn't make sense. Points, also called discount points or origination fees, are each worth one percent of the loan amount. They are paid to the lender at closing. Paying points basically allows the borrower to buy down the interest rate. Points became popular in the early 1980s when mortgage rates were in excess of 15%. Most people could not afford the monthly payments that come with such high interest rates. Lenders began offering discounted rates at a certain fee. Sellers often paid the points in order to sell their properties. This gave buyers affordable mortgages and owners were able to sell their homes. Times are different now. Interest rates are reasonable. There isn't a large need to pay a lot of money up front in order to get a lower rate. Let's look at the numbers. You have contracted to purchase a home for $240,000. You have the 20% down, which leaves you with a mortgage of $192,000. You find a 30-year fixed rate mortgage at 6.5% with two points. For closing, you will need to pay $3,840 ($192,000 x 2%) for the points. The lender can also offer you a rate of 7% with no points. What do you choose? The lower rate or the lower closing? At 6.5% you will have a monthly principal and interest payment of $1,207. At 7% your payment increases to $1,270 each month. That's a difference of $63 per month. If you are looking for a monthly payment reduction, it's not really a significant one. It will take you 61 months ($3,840 divided by $63) to recoup your points payment in the form of a lower payment. This is your payback period. But if you had the $3,840 still, it could be earning interest in the bank. If it gets 3% interest in the bank, it would earn about $10 per month. If you pay points, this is interest lost, so subtract $10 from your $63 per month savings. Now divide $53 into $3,840, and your
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Graziella De Biasi Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Graziella De Biasi Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Graziella De Biasi Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Graziella De Biasi Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Graziella De Biasi Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Graziella De Biasi Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Graziella De Biasi Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Graziella De Biasi Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Graziella De Biasi Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
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workedGraziella De Biasi Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
wellGraziella De Biasi Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
TheGraziella De Biasi Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
formulaGraziella De Biasi Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
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toGraziella De Biasi Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
theGraziella De Biasi Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
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ofGraziella De Biasi Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
theGraziella De Biasi Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
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CandleGraziella De Biasi Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
CompanyGraziella De Biasi Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
InGraziella De Biasi Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
1785Graziella De Biasi Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
theGraziella De Biasi Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
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theGraziella De Biasi Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
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ofGraziella De Biasi Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
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theGraziella De Biasi Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
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theGraziella De Biasi Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
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HeGraziella De Biasi Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
andGraziella De Biasi Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
hisGraziella De Biasi Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
wifeGraziella De Biasi Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
ranGraziella De Biasi Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
theGraziella De Biasi Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
businessGraziella De Biasi Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
keepingGraziella De Biasi Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
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childrenGraziella De Biasi Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
involvedGraziella De Biasi Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
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theGraziella De Biasi Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
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anGraziella De Biasi Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
earlyGraziella De Biasi Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
ageGraziella De Biasi Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
AsGraziella De Biasi Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
timeGraziella De Biasi Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
wentGraziella De Biasi Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
onGraziella De Biasi Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
theirGraziella De Biasi Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
childrenGraziella De Biasi Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
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theGraziella De Biasi Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
businessGraziella De Biasi Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
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asGraziella De Biasi Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
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asGraziella De Biasi Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
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theGraziella De Biasi Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
familyGraziella De Biasi Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
businessGraziella De Biasi Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
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toGraziella De Biasi Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
theirGraziella De Biasi Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
childrenGraziella De Biasi Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Graziella De Biasi Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Graziella De Biasi Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
ByGraziella De Biasi Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
1862Graziella De Biasi Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
theGraziella De Biasi Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
companyGraziella De Biasi Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
hadGraziella De Biasi Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
establishedGraziella De Biasi Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
itselfGraziella De Biasi Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
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aGraziella De Biasi Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
leaderGraziella De Biasi Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
amongGraziella De Biasi Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
theGraziella De Biasi Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
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makingGraziella De Biasi Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
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hadGraziella De Biasi Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
alsoGraziella De Biasi Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
addedGraziella De Biasi Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
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manyGraziella De Biasi Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Graziella De Biasi Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Graziella De Biasi Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Graziella De Biasi Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Graziella De Biasi Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Graziella De Biasi Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Graziella De Biasi Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Graziella De Biasi Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs.
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