Is Paying for a Mortgage Rate Buydown a Good Idea for You?

Orange County Register, Dec. , 2025-Jeff Lazerson

Whether buying property or refinancing, you have the option to pay for points and lower the mortgage interest rate.

What are the pluses and minuses of investing in points? And what analysis must you make to decide if buydown points are in your best interest? I’ve got some answers for you today.
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