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Buying points can lower your mortgage rate, but they're not the right tool for every homebuyer in this landscape.

Mortgage points, also known as discount points, are fees you pay a lender to reduce the interest rate on a mortgage. Each point typically costs 1% of your loan amount and reduces your interest rate ...

A home loan is a documentation-heavy process where even a small gap can slow things down. In 2026, lenders place strong emphasis on paperwork, especially when assessing the property you plan to ...