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‍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 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