Should You Buy Mortgage Points? How to Calculate the Break-Even Point

Marysol Calvillo

Published on: 17/10/2026

Should you buy mortgage points? Learn what points cost, how they may lower your rate and how to calculate your break-even point.

mortgage discount pointsmortgage points break-evenbuy down mortgage ratehow mortgage points workdiscount points calculatormortgage rate buydownbuilder mortgage pointsHouston homebuyer mortgagepermanent rate buydownmortgage points worth it

2-1 Buydown vs. Permanent Rate Buydown: What's the Difference?

Marysol Calvillo

Published on: 16/10/2026

Compare a 2-1 buydown with a permanent mortgage rate buydown and learn how each affects your early payments and long-term loan costs.

2-1 mortgage buydownpermanent rate buydowntemporary buydown vs permanent buydownmortgage rate buydownbuilder rate buydowndiscount points mortgagenew construction mortgage incentiveHouston homebuyer mortgagebuilder mortgage incentivestemporary mortgage buydown