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"Just found this BRILLIANT site today, feeling rather silly for being so late to the party. I'm also trying to figure out if I'm crazy. I've been chugging the numbers, and I've got an offer on the table for 3.75% on a 5-year ARM with 1.875 points, but she's agreed to charge me for only 1.375 of that 1.875. Essentially it's getting a half-point for free in my closing costs. I don't really intend to keep the loan beyond 5 years -- either the house or the loan will go. Unless..."    View Comment
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