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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":"2026-07-01T10:25:52.392101+00:00","updated_at":"2026-07-01T10:25:52.369+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?"}],"country":"United States","og_image_url":"https://d3i17xsp2ml938.cloudfront.net/lhp/202511_Tiana_Ochoa/uploads/tlogo1.png","industry_subtype":null,"profile_tier":"free","short_tagline":"Mortgage Broker in Houston — Local mortgage and real estate expertise","primary_category":"Mortgage Broker","schema_type":"LocalBusiness","primary_address":{"city":"Houston","region":"Texas","street":"4614 East Fwy","country":"US","postal_code":"77020"},"geo_coordinates":{"lat":29.7733739,"lng":-95.3233324},"service_areas":["Houston"],"phone":"+17137725363","hours_by_day":[{"day":"monday","open":"09:00","close":"17:00"},{"day":"tuesday","open":"09:00","close":"17:00"},{"day":"wednesday","open":"09:00","close":"17:00"},{"day":"thursday","open":"09:00","close":"17:00"},{"day":"friday","open":"09:00","close":"17:00"},{"day":"saturday","open":"00:00","close":"00:00","is_closed":true},{"day":"sunday","open":"00:00","close":"00:00","is_closed":true}],"price_range":null,"review_summary":{"sources":[{"count":10,"rating":5,"platform":"google"}],"total_count":10,"distribution":{"1":0,"2":0,"3":0,"4":0,"5":10},"average_rating":5,"weighted_reputation_score":3.93},"certifications":[],"years_in_business":null,"founded_year":null,"specialties":["Local mortgage and real estate expertise","Streamlined loan application process"],"differentiators":[],"social_profiles":[],"citations":[],"last_verified_at":"2026-07-01T10:25:52.369+00:00","data_sources":["Website Scan","Google Business Profile","AI Content Analysis"],"languages_supported":["lang=\"en\"","en"],"profile_language":"en","description_short":null,"ai_readability_score":41,"claimed_at":null,"index_status":"listed","industry_category":"Mortgage Broker","llm_optimized_summary":"Houston-based Tiana Ochoa Mortgages specializes in home purchase loans and home refinance loans. 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