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Are Mortgage Discount Points Worth It in 2026? Break-Even Math When Rates Are Falling

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.

Jun 8, 2026 · 7 min

Mortgage Refinancing BlogPlain-English Refi Guides

Independent mortgage refinancing education for U.S. homeowners. We explain the math; you make the call.

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