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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"}}]}],"@context":"https://schema.org"},"is_public":false,"created_at":"2026-06-24T01:40:18.68116+00:00","updated_at":"2026-07-07T17:04:07.916+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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