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SHOULD YOU PAY DISCOUNT POINTS FOR A LOWER INTEREST RATE?

Interest rates are the highest they’ve been in recent years. So is it worth it to pay discount points to get a lower rate?

That really depends on how long you plan on staying in the home. Essentially you need to stay in the house long enough for the total monthly savings with the lower rate to exceed the cost of the discount points at closing.

There are amortization tables and calculators online that can help you with this cost comparison. Or you can shoot us a private message or email, and we can help you out. We have an excel sheet template we can send you (see below for an example) and walk you through how to run this analysis.

Interest Rate Comparison Spreadsheet

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SHOULD YOU PAY DISCOUNT POINTS FOR A LOWER INTEREST RATE?

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Thank you for your message. We will be in touch with you shortly.

SHOULD YOU PAY DISCOUNT POINTS FOR A LOWER INTEREST RATE?

Recent Blog Posts

Houston Market Update - April 2025

Houston Market Snapshot - March 2025

Houston Housing Market - 2025 Forecast

How to Build A Custom Home

Here's how we got a $25,000 credit for one of our buyers.

ARE HOME PRICES COMING DOWN IN 2024???

Work With Us

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