Cypress TX Homes and Real Estate

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What Are Points, Anyway?

What Are Points, Anyway? There are two types of points. Discount points are prepaid interest on your mortgage loan—you’re basically paying finance charges in advance. Discount Points are used to "buy" your interest rate lower. This is known as a rate "buydown." A general rule of thumb is that one full Discount Point will lower your fixed interest rate .250 percent or your adjustable rate .375 percent. Lenders regard this type of points as covering their cost for offering a lower interest rate over the length of the loan. The more points you pay, the lower the interest rate on the loan, and the fewer you pay, the higher the interest rate. Paying discount points is a good idea if you plan…

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Holly and her team were great! They worked with us every step of the way to sell one home, and purchase another. I highly recommend them if you are looking for a realtor!

-Chase Hayden, Client

My realtor was great, she kept me informed on all sales in my area’s. I am glad that I picked her!

-Shirley, Client

If you are looking for honesty and getting the best price for your home, then look no further. My initial visit with my realtor was awesome. She advised me of things that needed to be changed or updated to make my home more marketable. She provided me with a market analysis on houses comparable to mine that had either sold or were currently listed. My realtor took time to …

-Verna, Client

I bought and sold this home with Holly and have been extremely well satisfied with both transactions. Everything went smoothly and quickly.

-Joyce, Client

Very friendly and knowledgeable staff

-Chris Dougherty, Client

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What Are Points, Anyway?

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