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 hands-down the reason we were able to secure the home that we did. She negotiated the terms that we needed and many extras that we didn t even know we needed. Go see Holly if you want the best deal in town

-Adriene, Client

Holly was great! Not only did she help us find a gem of a property just in time for rates to start rising, but she also helped me get my previous property rented during the slow season. We really enjoyed working with Holly

-David C, 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

Amazing company ! Would recommend 100%

-Zaira Alfaro, 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

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What Are Points, Anyway?

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