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It may be a viable option even if the interest rate difference is only 1% or less. Any reduction can trim your monthly mortgage payments. Example: Your payment, excluding taxes and insurance, would be about $770 on a $100,000 loan at 8.5%; if the rate were lowered to 7.5%, your payment would then be $700, now you're saving $70 per month. Your savings depends on your income, budget, loan a","@type":"Answer"}},{"name":"What are points?","@type":"Question","acceptedAnswer":{"text":"A point is a percentage of the loan amount, or 1-point = 1% of the loan, so one point on a $100,000 loan is $1,000. Points are costs that need to be paid to a lender to get mortgage financing under specified terms. Discount points are fees used to lower the interest rate on a mortgage loan by paying some of this interest up-front. 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This rate is likely to be higher than the stated note rate or advertised rate on the mortgage, because it takes into account points and other credit costs. The APR allows homebuyers to compare different types of mortgages based on the annual cost for each loan. The APR is designed to measure the \"true cost of a loan.\" It creates a level playing field for lenders. It prevents lenders from adve","@type":"Answer"}},{"name":"What does it mean to lock the interest rate?","@type":"Question","acceptedAnswer":{"text":"Mortgage rates can change from the day you apply for a loan to the day you close the transaction. If interest rates rise sharply during the application process it can increase the borrower's mortgage payment unexpectedly. Therefore, a lender can allow the borrower to \"lock-in\" the loan's interest rate guaranteeing that rate for a specified time period, often 30-60 days, sometimes for a fee.","@type":"Answer"}}]}],"@context":"https://schema.org"},"is_public":false,"is_active":true,"created_at":"2026-06-13T18:37:12.444175+00:00","updated_at":"2026-06-13T18:37:12.366+00:00","faq":[{"answer":"It's ​generally ​a ‍good ​time ​to ‍refinance ‍when ‍mortgage ​rates ‍are ‍2% ​lower ​than ​the ‍current ​rate ​on ​your ‍loan. ​It ‍may ​be ​a ‍viable ​option ‍even ​if ‍the ​interest ‍rate ‍difference ‍is ​only ​1% ​or ‍less. ‍Any ‍reduction ‍can ‍trim ‍your ​monthly ‍mortgage ​payments. ‍Example: ​Your ‍payment, ​excluding ​taxes ​and ‍insurance, ​would ​be ‍about ‍$770 ‍on ​a ‍$100,000 ‍loan ​at ​8.5%; ​if ‍the ​rate ​were ​lowered ‍to ​7.5%, ‍your ​payment ​would ‍then ​be ‍$700, ​now ‍you're ​saving ‍$70 ‍per ‍month. ​Your ​savings ​depends ‍on ‍your ‍income, ‍budget, ‍loan ‍a","category":"general","question":"When should I refinance?"},{"answer":"A ​point ​is ‍a ​percentage ​of ‍the ‍loan ‍amount, ​or ‍1-point ‍= ​1% ​of ​the ‍loan, ​so ​one ​point ‍on ​a ‍$100,000 ​loan ​is ‍$1,000. ​Points ‍are ​costs ‍that ​need ‍to ‍be ‍paid ​to ​a ​lender ‍to ‍get ‍mortgage ‍financing ‍under ‍specified ​terms. ‍Discount ​points ‍are ​fees ‍used ​to ​lower ​the ‍interest ​rate ​on ‍a ‍mortgage ‍loan ​by ‍paying ‍some ​of ​this ​interest ‍up-front. ​Lenders ​may ​refer ‍to ​costs ‍in ​terms ​of ‍basic ​points ‍in ​hundredths ‍of ​a ‍percent, ‍100 ‍basis ​points ​= ​1 ‍point, ‍or ‍1% ‍of ‍the ‍loan ​amount.","category":"general","question":"What are points?"},{"answer":"Yes, ​if ​you ‍plan ​to ​stay ‍in ‍the ‍property ​for ‍a ‍least ​a ​few ​years. ‍Paying ​discount ​points ​to ‍lower ​the ‍loan's ​interest ​rate ‍is ​a ‍good ​way ‍to ​lower ‍your ‍required ‍monthly ​loan ​payment, ​and ‍possibly ‍increase ‍the ‍loan ‍amount ‍that ​you ‍can ​afford ‍to ​borrow. ‍However, ​if ​you ​plan ‍to ​stay ​in ‍the ‍property ‍for ​only ‍a ‍year ​or ​two, ​your ‍monthly ​savings ​may ​not ‍be ​enough ‍to ​recoup ​the ‍cost ​of ‍the ​discount ‍points ​that ‍you ‍paid ‍up-front.","category":"general","question":"Should I pay points to lower my interest rate?"},{"answer":"The ​annual ​percentage ‍rate ​(APR) ​is ‍an ‍interest ‍rate ​reflecting ‍the ‍cost ​of ​a ​mortgage ‍as ​a ​yearly ​rate. ‍This ​rate ‍is ​likely ​to ‍be ​higher ‍than ​the ‍stated ​note ‍rate ‍or ‍advertised ​rate ​on ​the ‍mortgage, ‍because ‍it ‍takes ‍into ‍account ​points ‍and ​other ‍credit ​costs. ‍The ​APR ​allows ​homebuyers ‍to ​compare ​different ‍types ‍of ‍mortgages ​based ‍on ‍the ​annual ​cost ​for ‍each ​loan. ​The ​APR ‍is ​designed ‍to ​measure ​the ‍\"true ​cost ‍of ​a ‍loan.\" ​It ‍creates ‍a ‍level ​playing ​field ​for ‍lenders. ‍It ‍prevents ‍lenders ‍from ‍adve","category":"general","question":"What is an APR?"},{"answer":"Mortgage ​rates ​can ‍change ​from ​the 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