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🏠 Mortgage Tip: Points vs. Credits When you get a mortgage, you can choose to: 👉 Buy points Pay more upfront to get a lower rate 💸 1 point = 1% of your loan amount 🔻 Lower rate = Lower monthly payment Example: $200,000 loan ➡️ 1 point = $2,000 upfront 📉 Rate drops from 7.00% ➡️ 6.75% ⸻ OR… 👉 Take a lender credit Accept a higher rate to get money back at closing 🧾 Use it to cover closing costs Example: $200,000 loan ➡️ Take a higher rate: 7.25% 💵 Lender gives you $2,000 credit | Mason Mar
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