Real Estate
Should I pay points on a mortgage?
Quick Answer
Pay points only if you will keep the loan past the break-even point. One point costs 1% of the loan and typically cuts the rate by 0.25%, so break-even is usually 4–7 years. Refinance or sell sooner and points lose money.
Warren Team
Updated April 26, 2026
35
Warren Team
Updated April 26, 2026
35
Important Disclaimer:
The information provided is for educational purposes only and should not be considered as personalized financial advice. Warren is a registered investment advisor. Past performance does not guarantee future results. Please consult with a qualified financial advisor before making investment decisions.
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