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Does it make sense for me to pay the .5 point? I am guessing I will be in the house for 5-7 years. I will be rolling all costs into the loan. Thanks. My options: 1) 4.75 - 4k fees @ 0 points 2) 4.625 - 4k fees @ .5 point ------------------------------------------------------------- Goals: 1) Lower monthly...
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How do I know if makes sense to pay extra points? Is there a calculator anyone can suggest? My loan options: 1) 4.75 - 4k fees, 0 points 2) 4.50 - 4k fees, .5 point 3) 4.375 - 4k fees, 1.25 points 4) 4.75 - 4k fees, 0 point (roll all costs into loan) 5) 4.50 - 4k fees, .5 points (roll all costs into...