: Using your last bit of cash for points instead of keeping it as an emergency fund can be risky. How to Calculate the Break-Even Point
: In 2025 and 2026, with elevated rates, securing even a slightly lower rate can lead to massive interest savings over 15 to 30 years. buy down points mortgage
: If you have surplus funds after your down payment and closing costs, "buying" a lower monthly payment can improve your long-term cash flow. When It Is Not Worth It : Using your last bit of cash for
