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Should you pay points?

Learning Center l Shop for Rates l Get Expert Advice l Special Features

Learning Center:

When researching mortgage rates, you'll find quotes from lenders that include both loan rates and "points." A point is a fee equal to 1 percent of the loan. There are two types of loans borrowers might pay: discount points and origination points.
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  Find the best rate for you through Bankrate.com's Mortgage Search Engine. Our rate tables display rates broken down by interest rate, discount points, origination points and APR so you can make accurate comparisons.
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Should you pay points?
Fewer points vs. lower rate
Refinancing a mortgage with zero points?
Are points deductible?
Learn about the tax breaks of paying points.
What's better -- fixed or adjustable rate?
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