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 is the only realtor I ve ever had. She s been there during four major life changes job changes to help me sell and buy. I won t use anyone else she s the best

-Will R, Client

Very friendly and knowledgeable staff

-Chris Dougherty, Client

Holly is a class act! She took excellent care of my wife and I in our home buying experience. We will definitely use her again and again for our future realty needs. She will make you feel like family.

-Mark Mcvey, Client

I am not sure if my house would have sold for the amount it did without Holly. There are always bumps in the road when undergoing such a transaction. Holly stayed on top of things, kept me informed and was a professional at all times. Holly and her husband Bill actually represented us 15 years ago when we bought out house. I think it says a lot when customers choose the …

-MJR, 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

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What Are Points, Anyway?

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