Discount points

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Are Mortgage Points Worth It?

Paying points to get a lower interest rate is almost always a losing proposition because most homeowners don’t keep their loans long enough to recoup the up-front costs. Are you an exception to the rule?

What is a Closing Disclosure?

Borrowers applying for a mortgage now get a five-page form designed to make home loans easier to understand before the deal is finalized.

8 Questions Your Loan Estimate Will Answer

Borrowers are receiving a new form called a Loan Estimate after they apply for a mortgage. It explains the key terms, from interest rates to closing costs, and ensures you're getting the home loan your lender promised.