Basics
Are Mortgage Discount Points Worth It in 2026? Break-Even Math When Rates Are Falling
Should you buy mortgage discount points in 2026? Break-even math, falling-rate risk, tax rules, and smarter alternatives — a plainspoken decision framework.
buydown
Rate & Term
Refinance guide rate buydowns on refinance temporary vs permanent
Rate Buydowns on Refinance: Temporary vs Permanent When refinancing your mortgage you may be offered ways to lower your interest rate either temporarily or permanently by paying “points” or accepting a structured buy down. Understanding the difference between temporary and permanent buydowns, how they affect monthly payments, and which fits your financial goals can help […]