Tax guide

What are mortgage points?

Mortgage points usually cost 1% of your mortgage loan, and they can be used to raise or lower your loan interest. Positive mortgage points, or discount points, lower your interest rate; negative mortgage points, or rebate points, raise your interest rate.

Buying positive mortgage points allows you to essentially prepay your loan interest, and buying negative mortgage points allows you to exchange some mortgage fees for a higher interest rate.

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