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Should I buy points or lower my rate?


Less points More points
Loan amount $ $
Term (years)
Interest rate % %
Discount points % %
Origination fee % %
Upfront costs $ $
 
Your state + federal tax rate %
Purchase price $
Yearly property tax $
Yearly property insurance $
Years before you sell or pay off loan
Your savings rate %
 
If loans have adjustable rates
Months before first adjustment
Months between rate adjustments
Maximum rate adjustment % %
Minimum rate % %
Maximum rate % %
Margin % %
Index rate % %
Index rate change per adjustment % %
Months between index adjustments
 
Regarding loan one
Fixed rate mortgage
Adjustable rate mortgage
Interest rates will increase
Interest rates will decrease
Interest rates will stay the same
 
Regarding loan two
Fixed rate mortgage
Adjustable rate mortgage
Interest rates will increase
Interest rates will decrease
Interest rates will stay the same


 

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