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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. 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.","@type":"Answer"}},{"name":"Should I pay points to lower my interest rate?","@type":"Question","acceptedAnswer":{"text":"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.","@type":"Answer"}},{"name":"What is an APR?","@type":"Question","acceptedAnswer":{"text":"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","@type":"Answer"}}]}],"@context":"https://schema.org"},"is_public":false,"created_at":"2026-07-01T00:44:51.59947+00:00","updated_at":"2026-07-01T00:44:51.584+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 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