Holly Fanning
Fanning Realty and Company, LLC
281-723-5654 281-723-5654

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Featured Properties

Featured picture for the property 53907527
Humble, TX
4 bedrooms
3 bathrooms
$310,000
$310,000
4
3
Humble, TX
beds
baths
Listing courtesy of Fanning Realty and Company LLC Listing courtesy of Fanning Realty and Company LLC
Featured picture for the property 26259053
Houston, TX
4 bedrooms
3 bathrooms
$450,000
$450,000
4
3
Houston, TX
beds
baths
Listing courtesy of Fanning Realty and Company LLC Listing courtesy of Fanning Realty and Company LLC
Featured picture for the property 40129910
Spring, TX
4 bedrooms
2 bathrooms
$435,500
New Listing
$435,500
4
2
Spring, TX
beds
baths
Listing courtesy of Fanning Realty and Company LLC Listing courtesy of Fanning Realty and Company LLC
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Communities Served

Conroe
Cypress
Hempstead
Montgomery
Richmond
Tomball
Link to full blog post article

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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Meet Holly Fanning
Updated Sep 22, 2026 4:46:pm. Copyright © 2026, Houston Realtors Information Service, Inc. All information provided is deemed reliable but is not guaranteed and should be independently verified. The information being provided is for consumer's personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.

Any home sales data appearing on this page is obtained from public record sources (or estimates, for non-disclosure states) as provided by ATTOM Data Solutions and does not comprise an appraisal or a Comparative Market Analysis (CMA). This information should not be used to replace a professional appraisal nor to determine the price of a particular property.