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…

Testimonials

As an out of town client, Holly was patient with us as we added an entire new list of showings after viewing the 8-10 we had picked before arriving in Houston. When it came time to put in an offer, Holly worked to get us the best price and amenities possible.

-Shelly Rodgers, Client

Highly recommend Holly and her team. She was so patience with me through the entire process of selling my home and then purchasing a new home. She is extremely knowledgeable and makes the experience enjoyable.

-Carla Fendley, Client

Holly was fantastic. I felt like she took care of me on this challenging adventure.

-Cindy H, Client

Best Realtor there is. She helped me out with every step and even went above and beyond to help me out

-Edward Spitzer, Client

My whole family has worked with Holly for many years, she is the best.

-Angela, Client

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What Are Points, Anyway?

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