What are mortgage points and how do they work?

Written by

Andrew Dehan,

Edited by

Kellye Guinan,

Reviewed by

Erin Lowry,

Expert verified

Published on October 23, 2025 | 4 min read

Bankrate is always editorially independent. While we adhere to strict , this post may contain references to products from our partners. Here's an explanation for . Our is to ensure everything we publish is objective, accurate and trustworthy.

Ivan Hunter/Getty Images; Illustration by Austin Courregé/Bankrate

Bankrate is always editorially independent. While we adhere to strict , this post may contain references to products from our partners. Here's an explanation for . Our is to ensure everything we publish is objective, accurate and trustworthy.

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