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  Point (mortgage)

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  Point (mortgage)

• Point (mortgage)
• Mortgage (disambiguation)
• Exclamation mark
• Point (ice hockey)
• Kollekt

Point (mortgage)

Points, sometimes also called "discount points", are a form of pre-paid interest. One point equals one percent of the loan amount. By charging a borrower points, a lender effectively increases the yield on the loan above the amount of the stated interest rate. Borrowers can offer to pay a lender points as a method to reduce the interest rate on the loan, thus obtaining a lower monthly payment in exchange for this up-front payment. In United States, for each point purchased, the loan rate is typically reduced by anywhere from 1/8% (0.125%) to 1/4% (0.25%).

Selling the property or refinancing prior to this break-even point will result in a net financial loss for the buyer while keeping the loan for longer than this break-even point will result in a net financial savings for the buyer. The longer you keep the property financed under the loan with purchased points, the more the money spent on the points will pay off. Accordingly, if the intention is to buy and sell the property or refinance in a rapid fashion, paying points is actually going to end up costing more than just paying the loan at the higher interest rate.

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This page contains text from Wikipedia, the Free Encyclopedia - https://wn.com/Point_(mortgage)

Mortgage (disambiguation)

Mortgage may refer to:

Mortgage loan, a loan secured by a mortgage on real property

Mortgage, a security interest on real property grant to a lender, as in mortgage law

Deed, the mortgage document

Hypothec, a specie of encumbrance

See also

Security interest

Chattel mortgage

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This page contains text from Wikipedia, the Free Encyclopedia - https://wn.com/Mortgage_(disambiguation)

Exclamation mark

The exclamation mark (Commonwealth English) or exclamation point (American English) is a punctuation mark usually used after an interjection or exclamation to indicate strong feelings or high volume (shouting), and often marks the end of a sentence. Example: “Watch out!” Similarly, a bare exclamation mark (with nothing before or after) is often used in warning signs.

The mark can also be used at the beginning of a word instead of at the end. For example, several computer languages use "!" for logical negation; e.g. "!A" means "the logical negation of A", also called "not A". There are many other specialized uses of this mark, such as in mathematics where it denotes the factorial operation.

History

Graphically the exclamation mark is represented as a full stop point with a vertical line above. One theory of its origin is that it is derived from a Latin exclamation of joy (io). The modern graphical representation is believed to have been born in the Middle Ages. The Medieval copyists used to write at the end of a sentence the Latin word io to indicate joy. The word io meant hurray. Along time, the i moved above the o, and the o became smaller, becoming a point.

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This page contains text from Wikipedia, the Free Encyclopedia - https://wn.com/Exclamation_mark

Point (ice hockey)

In ice hockey, point has three contemporary meanings:

A point is awarded to a player for each goal scored or assist earned. The total number of goals plus assists equals total points. The Art Ross Trophy is awarded to the National Hockey League (NHL) player who leads the league in scoring points at the end of the regular season.

Points are also awarded to assess standings (or rankings). For winning a match, a team earns two or three points in the standings. When a team ties, they earn one point. Often, there are no ties (in the NHL as a result of many rule changes after the 2004–05 NHL lockout). However, a rule that was instituted in the 1999–2000 NHL season makes it so that when a team loses in overtime, they shall earn one point for making it to overtime. This rule includes shootouts, which were instituted after the aforementioned lockout. Teams that win in overtime or shootout receive a bonus point together with the point they received for the initial draw.

When a team is in the offensive zone, the area near the blue line and the boards is referred to as "the point". When a team is on the power play, its defencemen usually take up positions at the point. The name is taken from the former names of the defence positions, point and cover point, as first developed in the 19th century, the earliest days of ice hockey's development.

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This page contains text from Wikipedia, the Free Encyclopedia - https://wn.com/Point_(ice_hockey)

Kollekt

Kollekt is the sixth album by the Finnish experimental rock band Circle, led by bass guitarist Jussi Lehtisalo. It was released in 1998 by Bad Vugum. It collects the band's early singles, and previously unreleased songs from sessions for their first album, Meronia.

Track listing

Point (2:53)

Fone (2:46)

Depoint (4:28)

Crawatt (3:55)

Circus (1:13)

Silver (3:03)

Polka (1:46)

Ed-Visio (4:21)

Armond (3:17)

Hypto (8:32)

Superb (2:54)

Aspirites (5:46)

DNA (3:32)

Indepence (3:53)

References

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This page contains text from Wikipedia, the Free Encyclopedia - https://wn.com/Kollekt

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Is Buying Mortgage Points Worth It?

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Is Buying Mortgage Points Worth It? Say goodbye to debt forever. Start Ramsey+ for free: https://bit.ly/35ufR1q Visit the Dave Ramsey store today for resources to help you take control of your money! https://goo.gl/gEv6Tj Did you miss the latest Ramsey Show episode? Don’t worry—we’ve got you covered! Get all the highlights you missed plus some of the best moments from the show. Watch debt-free screams, Dave Rants, guest interviews, and more! Want to watch FULL episodes of The Ramsey Show? Make sure to go to The Ramsey Show (Full Episodes) at: https://www.youtube.com/c/TheRamseyShowEpisodes?sub_confirmation=1 Check out the show at 4pm EST Monday-Friday or anytime on demand. Dave Ramsey and his co-hosts talking about money, careers, relationships, and how they impact your life. Tune in to The Ramsey Show and experience one of the most popular talk radio shows in the country! Ramsey Network (Subscribe Now!) • The Ramsey Show (Highlights): https://www.youtube.com/c/TheRamseyShow?sub_confirmation=1 • The Ramsey Show (Full Episodes): https://www.youtube.com/c/TheRamseyShowEpisodes?sub_confirmation=1 • The Dr. John Delony Show: https://www.youtube.com/c/JohnDelony?sub_confirmation=1 • The Rachel Cruze Show: https://www.youtube.com/user/RachelCruze?sub_confirmation=1 • Anthony ONeal: https://www.youtube.com/user/aonealministries?sub_confirmation=1 • The Ken Coleman Show: https://www.youtube.com/c/TheKenColemanShow?sub_confirmation=1 • The Christy Wright Show: https://www.youtube.com/c/ChristyWright?sub_confirmation=1 • EntreLeadership: https://www.youtube.com/c/entreleadership?sub_confirmation=1

https://wn.com/Is_Buying_Mortgage_Points_Worth_It

Is Buying Mortgage Points Worth It? Say goodbye to debt forever. Start Ramsey+ for free: https://bit.ly/35ufR1q Visit the Dave Ramsey store today for resources to help you take control of your money! https://goo.gl/gEv6Tj Did you miss the latest Ramsey Show episode? Don’t worry—we’ve got you covered! Get all the highlights you missed plus some of the best moments from the show. Watch debt-free screams, Dave Rants, guest interviews, and more! Want to watch FULL episodes of The Ramsey Show? Make sure to go to The Ramsey Show (Full Episodes) at: https://www.youtube.com/c/TheRamseyShowEpisodes?sub_confirmation=1 Check out the show at 4pm EST Monday-Friday or anytime on demand. Dave Ramsey and his co-hosts talking about money, careers, relationships, and how they impact your life. Tune in to The Ramsey Show and experience one of the most popular talk radio shows in the country! Ramsey Network (Subscribe Now!) • The Ramsey Show (Highlights): https://www.youtube.com/c/TheRamseyShow?sub_confirmation=1 • The Ramsey Show (Full Episodes): https://www.youtube.com/c/TheRamseyShowEpisodes?sub_confirmation=1 • The Dr. John Delony Show: https://www.youtube.com/c/JohnDelony?sub_confirmation=1 • The Rachel Cruze Show: https://www.youtube.com/user/RachelCruze?sub_confirmation=1 • Anthony ONeal: https://www.youtube.com/user/aonealministries?sub_confirmation=1 • The Ken Coleman Show: https://www.youtube.com/c/TheKenColemanShow?sub_confirmation=1 • The Christy Wright Show: https://www.youtube.com/c/ChristyWright?sub_confirmation=1 • EntreLeadership: https://www.youtube.com/c/entreleadership?sub_confirmation=1

• published: 16 Oct 2020
• views: 133945

6:26

Paying Points on a Mortgage EXPLAINED / Origination and Discount Fees | #mortgagepoints

• Order: Reorder
• Duration: 6:26
• Uploaded Date: 11 Feb 2023
• views: 16653

Are you considering paying points on a mortgage buying down your interest rate? You want to watch this first! I will explain the difference between origination...

Are you considering paying points on a mortgage buying down your interest rate? You want to watch this first! I will explain the difference between origination and discount points- which you will see this term thrown around online everywhere! I'll also cover a sample calculation and how to know if the upfront cost is worth it to buy down. Thank you for tuning in! Chapters 00:00 Introduction 00:15 Definition of Paying Points on a Mortgage 01:20 Calculation of a 1% Buydown 02:03 Origination Point vs Discount Point 02:39 Buydown vs No Buydown 03:56 Recoup Time Calculation 04:38 Is It Worth It? 04:58 Refinancing Later? 05:33 Buying Down More Points 👉TikTok: @loanwithjen 👉Instagram: @loanwithjen 👉Facebook: https://www.facebook.com/loanwithjen Jennifer Hughes Hernandez, Legacy Mutual Mortgage - Equal Housing Opportunity Lender NMLS #514497 💻 http://checklist.loanwithjen.com/ 💻 http://apply.loanwithjen.com/ 💻 Visit My Website - https://www.loanwithjen.com/ 📌More Helpful Content: ▶️Why You Should Use A Local Lender: https://www.youtube.com/watch?v=shkijZmEonA ▶️How to Buy A House With Low Income: https://www.youtube.com/watch?v=OcyjWe0snWU ▶️Using Rental Income To Qualify For A Mortgage: https://www.youtube.com/watch?v=kv0eXzl1YUo

https://wn.com/Paying_Points_On_A_Mortgage_Explained_Origination_And_Discount_Fees_|_Mortgagepoints

Are you considering paying points on a mortgage buying down your interest rate? You want to watch this first! I will explain the difference between origination and discount points- which you will see this term thrown around online everywhere! I'll also cover a sample calculation and how to know if the upfront cost is worth it to buy down. Thank you for tuning in! Chapters 00:00 Introduction 00:15 Definition of Paying Points on a Mortgage 01:20 Calculation of a 1% Buydown 02:03 Origination Point vs Discount Point 02:39 Buydown vs No Buydown 03:56 Recoup Time Calculation 04:38 Is It Worth It? 04:58 Refinancing Later? 05:33 Buying Down More Points 👉TikTok: @loanwithjen 👉Instagram: @loanwithjen 👉Facebook: https://www.facebook.com/loanwithjen Jennifer Hughes Hernandez, Legacy Mutual Mortgage - Equal Housing Opportunity Lender NMLS #514497 💻 http://checklist.loanwithjen.com/ 💻 http://apply.loanwithjen.com/ 💻 Visit My Website - https://www.loanwithjen.com/ 📌More Helpful Content: ▶️Why You Should Use A Local Lender: https://www.youtube.com/watch?v=shkijZmEonA ▶️How to Buy A House With Low Income: https://www.youtube.com/watch?v=OcyjWe0snWU ▶️Using Rental Income To Qualify For A Mortgage: https://www.youtube.com/watch?v=kv0eXzl1YUo

• published: 11 Feb 2023
• views: 16653

12:39

Should I pay points on a Mortgage?

• Order: Reorder
• Duration: 12:39
• Uploaded Date: 12 Jun 2021
• views: 16376

In this video, I talk and answer this very common and million-dollar question Should I pay points on a mortgage. What are mortgage points? Is it good or bad? H...

In this video, I talk and answer this very common and million-dollar question Should I pay points on a mortgage. What are mortgage points? Is it good or bad? How do we get or earn mortgage points or when do mortgage points make sense? All this I'm going to discuss to give you an idea of how mortgage points work. Watch the video to see what I mean. Like, comment, subscribe, and share this with a friend! I love real estate and everything that has to do with real estate investing mortgage, and personal finance. If you enjoyed this video and found value, please consider subscribing! 📢 Ready to get started with a broker? Start here 🤵https://co.umortgage.com/3x8zMTb Thanks for watching! ✅⏰📱✅⏰📱✅⏰📱✅⏰📱✅⏰📱✅⏰📱✅⏰📱✅⏰📱✅⏰📱✅⏰📱✅⏰📱 Matt The Mortgage Guy School 🏫 Enroll in the Mortgage 101 course to get a behind-the-scenes look at what you need to know about the mortgage and buying process. Put aside what marketers tell you and get the TRUTH about mortgages inside this video course. Click the link below👇 for more details and Enroll Now! Link 👉 https://matt-the-mortgage-guy-school.teachable.com/ ✅⏰📱✅⏰📱✅⏰📱✅⏰📱✅⏰📱✅⏰📱✅⏰📱✅⏰📱✅⏰📱✅⏰📱✅⏰📱 Subscribe NOW for more mortgage/real estate/finance straight talk: https://www.youtube.com/channel/UCq2XM1Q4PXs-msULABdk2Yw Visit my website for more info ▶ https://co.umortgage.com/3x8zMTb Business inquiries contact me at ▶ [email protected] A few videos that might be helpful: The importance of working with a pro: ▶https://youtu.be/zuceT1O05NQ Make a million dollars with 1 rental : ▶ https://youtu.be/dI_TKq84-w4 Real estate investing for beginners: ▶ https://youtu.be/Pt3Yig7IpXk Buying or Refinancing in CA? APPLY NOW: ▶ https://co.umortgage.com/3LJJO0Z More info on buying: ▶ https://co.umortgage.com/3JdU2oH More info on refinancing: ▶ https://co.umortgage.com/35QZb8Q BUILD YOUR CREDIT for $2/mo : ▶https://kikoff.pxf.io/mtmg Cheers! 👏😄 Cheers!💖🙌🤝

https://wn.com/Should_I_Pay_Points_On_A_Mortgage

In this video, I talk and answer this very common and million-dollar question Should I pay points on a mortgage. What are mortgage points? Is it good or bad? How do we get or earn mortgage points or when do mortgage points make sense? All this I'm going to discuss to give you an idea of how mortgage points work. Watch the video to see what I mean. Like, comment, subscribe, and share this with a friend! I love real estate and everything that has to do with real estate investing mortgage, and personal finance. If you enjoyed this video and found value, please consider subscribing! 📢 Ready to get started with a broker? Start here 🤵https://co.umortgage.com/3x8zMTb Thanks for watching! ✅⏰📱✅⏰📱✅⏰📱✅⏰📱✅⏰📱✅⏰📱✅⏰📱✅⏰📱✅⏰📱✅⏰📱✅⏰📱 Matt The Mortgage Guy School 🏫 Enroll in the Mortgage 101 course to get a behind-the-scenes look at what you need to know about the mortgage and buying process. Put aside what marketers tell you and get the TRUTH about mortgages inside this video course. Click the link below👇 for more details and Enroll Now! Link 👉 https://matt-the-mortgage-guy-school.teachable.com/ ✅⏰📱✅⏰📱✅⏰📱✅⏰📱✅⏰📱✅⏰📱✅⏰📱✅⏰📱✅⏰📱✅⏰📱✅⏰📱 Subscribe NOW for more mortgage/real estate/finance straight talk: https://www.youtube.com/channel/UCq2XM1Q4PXs-msULABdk2Yw Visit my website for more info ▶ https://co.umortgage.com/3x8zMTb Business inquiries contact me at ▶ [email protected] A few videos that might be helpful: The importance of working with a pro: ▶https://youtu.be/zuceT1O05NQ Make a million dollars with 1 rental : ▶ https://youtu.be/dI_TKq84-w4 Real estate investing for beginners: ▶ https://youtu.be/Pt3Yig7IpXk Buying or Refinancing in CA? APPLY NOW: ▶ https://co.umortgage.com/3LJJO0Z More info on buying: ▶ https://co.umortgage.com/3JdU2oH More info on refinancing: ▶ https://co.umortgage.com/35QZb8Q BUILD YOUR CREDIT for $2/mo : ▶https://kikoff.pxf.io/mtmg Cheers! 👏😄 Cheers!💖🙌🤝

• published: 12 Jun 2021
• views: 16376

10:43

Interest Rate Buy Downs - How It Works And Why You Should Get It (First Time Home Buyers)

• Order: Reorder
• Duration: 10:43
• Uploaded Date: 01 Jul 2022
• views: 120698

► ► *Get An Agent Referral anywhere in the US* https://homeandmoney.com/javier/ ► ► *Home Buying Resources I Created For You* https://javiervidana.gumroad.com/l...

► ► *Get An Agent Referral anywhere in the US* https://homeandmoney.com/javier/ ► ► *Home Buying Resources I Created For You* https://javiervidana.gumroad.com/l/silsl 🌵 Work With Javy in Phoenix, AZ ► ► *Contact Info* [email protected] or 623-707-9836 ► ► *Send me a DM* https://www.instagram.com/thejaviervidana 🪙 Resources I Have Gathered For You ► ► *The Best Credit Tool For Home Buyers* www.smartcredit.com/javier ► ► *The Best Mortgage Calculator (use code JAVY)* https://www.winthehouseyoulove.com/tools/advisor 🤙 Join The Community ✅ Discord ► ► https://discord.gg/R4quqgArbf ✅ Twitch ► ► https://www.twitch.tv/javiervidana ❗ Disclaimer ► ► https://app.termly.io/document/disclaimer/02b5a8e7-3567-48b2-81af-2b2935e6addb #realestate #firsttimehomebuyer #javiervidana

https://wn.com/Interest_Rate_Buy_Downs_How_It_Works_And_Why_You_Should_Get_It_(First_Time_Home_Buyers)

► ► *Get An Agent Referral anywhere in the US* https://homeandmoney.com/javier/ ► ► *Home Buying Resources I Created For You* https://javiervidana.gumroad.com/l/silsl 🌵 Work With Javy in Phoenix, AZ ► ► *Contact Info* [email protected] or 623-707-9836 ► ► *Send me a DM* https://www.instagram.com/thejaviervidana 🪙 Resources I Have Gathered For You ► ► *The Best Credit Tool For Home Buyers* www.smartcredit.com/javier ► ► *The Best Mortgage Calculator (use code JAVY)* https://www.winthehouseyoulove.com/tools/advisor 🤙 Join The Community ✅ Discord ► ► https://discord.gg/R4quqgArbf ✅ Twitch ► ► https://www.twitch.tv/javiervidana ❗ Disclaimer ► ► https://app.termly.io/document/disclaimer/02b5a8e7-3567-48b2-81af-2b2935e6addb #realestate #firsttimehomebuyer #javiervidana

• published: 01 Jul 2022
• views: 120698

1:17

What are points and credits? | Better

• Order: Reorder
• Duration: 1:17
• Uploaded Date: 10 Sep 2018
• views: 1169

https://wn.com/What_Are_Points_And_Credits_|_Better

• published: 10 Sep 2018
• views: 1169

11:12

Should You Pay MORTGAGE POINTS | Should I Pay POINTS on a Mortgage | Mortgage Points Explained

• Order: Reorder
• Duration: 11:12
• Uploaded Date: 23 Sep 2021
• views: 23282

🟢Ready to Buy a House & You Don't Know Where to Start? Start Here! My FREE Download: https://bit.ly/3QWqfbq 🚨Do Not Buy a House without My First Time Homebuyer...

🟢Ready to Buy a House & You Don't Know Where to Start? Start Here! My FREE Download: https://bit.ly/3QWqfbq 🚨Do Not Buy a House without My First Time Homebuyer Masterclass with Digital Confidently Closed Handbook, Because After Closing is Too Late: https://bit.ly/47s4pT7 🚨 Ready to Buy Your First House? Watch these videos & Visit my playlists! ⭐8 Steps to Buy a House - https://youtu.be/fgUkwjA12V4 ⭐ Where Should You Start? - https://youtu.be/0IOl5pAC_Gk ⭐ Most Important People in the Home Buying Process - https://youtu.be/5N70wMXgmgU ⭐ What is Included in your Mortgage Payment: https://youtu.be/P_JC8b6wKMU ⭐New Construction - https://youtu.be/QoCctKxuJxA ⭐FHA or Conventional - https://youtu.be/gXfEGPd3k4Y ⭐Buying a House with Student Loans - https://youtu.be/yunqWv1xIUU ⭐7 Day Perfect Credit Plan - https://youtu.be/4QU7g6IS7BQ ⭐Can you afford a house: DTI Ratio - https://youtu.be/S3glBuf2fRw ⭐What happens at closing -https://youtu.be/heCUdtcGMls ⭐NACA Home Buying Program -https://youtu.be/HLLluwaAfrQ ⭐Should I Rent or Buy? - https://youtu.be/NPgOyRZKfmU ⭐ Get Your Real Estate License Online- https://youtu.be/kHen6QrArwg ⭐⭐PLAYLISTS - https://www.youtube.com/c/ShaheedahHillRealEstate/playlists 🟦Join My First Time Buyers Facebook Group🟦 https://www.facebook.com/groups/HillsFirstTimeBuyers/members/

https://wn.com/Should_You_Pay_Mortgage_Points_|_Should_I_Pay_Points_On_A_Mortgage_|_Mortgage_Points_Explained

🟢Ready to Buy a House & You Don't Know Where to Start? Start Here! My FREE Download: https://bit.ly/3QWqfbq 🚨Do Not Buy a House without My First Time Homebuyer Masterclass with Digital Confidently Closed Handbook, Because After Closing is Too Late: https://bit.ly/47s4pT7 🚨 Ready to Buy Your First House? Watch these videos & Visit my playlists! ⭐8 Steps to Buy a House - https://youtu.be/fgUkwjA12V4 ⭐ Where Should You Start? - https://youtu.be/0IOl5pAC_Gk ⭐ Most Important People in the Home Buying Process - https://youtu.be/5N70wMXgmgU ⭐ What is Included in your Mortgage Payment: https://youtu.be/P_JC8b6wKMU ⭐New Construction - https://youtu.be/QoCctKxuJxA ⭐FHA or Conventional - https://youtu.be/gXfEGPd3k4Y ⭐Buying a House with Student Loans - https://youtu.be/yunqWv1xIUU ⭐7 Day Perfect Credit Plan - https://youtu.be/4QU7g6IS7BQ ⭐Can you afford a house: DTI Ratio - https://youtu.be/S3glBuf2fRw ⭐What happens at closing -https://youtu.be/heCUdtcGMls ⭐NACA Home Buying Program -https://youtu.be/HLLluwaAfrQ ⭐Should I Rent or Buy? - https://youtu.be/NPgOyRZKfmU ⭐ Get Your Real Estate License Online- https://youtu.be/kHen6QrArwg ⭐⭐PLAYLISTS - https://www.youtube.com/c/ShaheedahHillRealEstate/playlists 🟦Join My First Time Buyers Facebook Group🟦 https://www.facebook.com/groups/HillsFirstTimeBuyers/members/

• published: 23 Sep 2021
• views: 23282

5:13

What Are Mortgage Points? [Mortgage Points Explained] | #LoanwithJen #mortgagepoints

• Order: Reorder
• Duration: 5:13
• Uploaded Date: 17 Jun 2020
• views: 22136

What Are Mortgage Points? | Mortgage Points Explained What are Mortgage Points? You will see them listed as origination fees, discount fees or mortgage points...

What Are Mortgage Points? | Mortgage Points Explained What are Mortgage Points? You will see them listed as origination fees, discount fees or mortgage points on your fee worksheet. Points are the amount you pay at closing for a lower rate. To calculate the amount of time to recoup this cost, divide the origination fee from the monthly interest rate savings to figure out how long it will take to recoup your initial investment. For more information on selling your investment properties, contact us at www.loanwithjen.com Equal Housing Lender NMLS # 514497 #LoanWithJen #MortgagePointsExplained #Mortgage #Points 👉TikTok: @loanwithjen 👉Instagram: @loanwithjen 👉Facebook: https://www.facebook.com/loanwithjen Jennifer Hughes Hernandez, Legacy Mutual Mortgage - Equal Housing Opportunity Lender NMLS #514497 💻 Documents Needed to Get Pre-Approved Texas: http://checklist.loanwithjen.com/ 💻 Loan With Jen | Do Business With Us!: http://apply.loanwithjen.com/ 💻 Visit My Website - Mortgage Lender Houston | Loan With Jen Education - https://www.loanwithjen.com/ 📌More Helpful Content: ▶️The Myths and Truths About Credit Inquiries: https://youtu.be/d_RQJnTsVPE ▶️Why You Should Use A Local Lender: https://www.youtube.com/watch?v=shkijZmEonA ▶️How to Buy A House With Low Income: https://www.youtube.com/watch?v=OcyjWe0snWU ▶️Using Rental Income To Qualify For A Mortgage: https://www.youtube.com/watch?v=kv0eXzl1YUo

https://wn.com/What_Are_Mortgage_Points_Mortgage_Points_Explained_|_Loanwithjen_Mortgagepoints

What Are Mortgage Points? | Mortgage Points Explained What are Mortgage Points? You will see them listed as origination fees, discount fees or mortgage points on your fee worksheet. Points are the amount you pay at closing for a lower rate. To calculate the amount of time to recoup this cost, divide the origination fee from the monthly interest rate savings to figure out how long it will take to recoup your initial investment. For more information on selling your investment properties, contact us at www.loanwithjen.com Equal Housing Lender NMLS # 514497 #LoanWithJen #MortgagePointsExplained #Mortgage #Points 👉TikTok: @loanwithjen 👉Instagram: @loanwithjen 👉Facebook: https://www.facebook.com/loanwithjen Jennifer Hughes Hernandez, Legacy Mutual Mortgage - Equal Housing Opportunity Lender NMLS #514497 💻 Documents Needed to Get Pre-Approved Texas: http://checklist.loanwithjen.com/ 💻 Loan With Jen | Do Business With Us!: http://apply.loanwithjen.com/ 💻 Visit My Website - Mortgage Lender Houston | Loan With Jen Education - https://www.loanwithjen.com/ 📌More Helpful Content: ▶️The Myths and Truths About Credit Inquiries: https://youtu.be/d_RQJnTsVPE ▶️Why You Should Use A Local Lender: https://www.youtube.com/watch?v=shkijZmEonA ▶️How to Buy A House With Low Income: https://www.youtube.com/watch?v=OcyjWe0snWU ▶️Using Rental Income To Qualify For A Mortgage: https://www.youtube.com/watch?v=kv0eXzl1YUo

• published: 17 Jun 2020
• views: 22136

2:43

“Points” and Fees Explained | Understand Discount Points and Mortgage Loan Fees

• Order: Reorder
• Duration: 2:43
• Uploaded Date: 22 Jun 2021
• views: 4192

For COURSES & COACHING, visit https://www.realestatefinanceacademy.com For COMMERCIAL LOANS, visit https://www.evergreen.llc --- Discount points and loan fees a...

For COURSES & COACHING, visit https://www.realestatefinanceacademy.com For COMMERCIAL LOANS, visit https://www.evergreen.llc --- Discount points and loan fees are additional charges that are added to the cost of getting a loan, and they're paid by the borrower. But it's important to understand what points and fees are and why they are included as part of the loan. Points are 1% of the loan amount. It's basically adding to the rate, and what discount points do is they allow the lender to capture some of their yield upfront at the beginning of the loan. The reason they're called discount points is because the borrower doesn't pay them to the lender. Typically the lender just deducts them from the loan amount. Lenders don't necessarily need to take the extra step of having the borrower give them a check for the point and then they cut a check to the borrower for the loan. They just deduct the point from the loan. So that's why it's called a discount point. It's discounted from the loan balance. Fees are charged by the lender typically to cover their origination costs. Lenders have staffing costs for people like underwriters, processors, and fees allow the lender just to recoup some of those costs. But here's, what's important to understand about points and fees. They actually increase the borrower's cost of capital. Let me show you an example. Imagine we have a $1 million loan at 6% amortized over 30 years, but the borrower has to pay 2 points plus $8500 in fees. Here's the effect of adding the points and fees into the loan. A $1 million loan at 6% for 30 years would have a $5995 payment per month, but because the lender discounts the points and fees. Out of the loan amount, the net cash that they disperse is $971,500. So the borrower still pays a $5995 payment, but they only actually received $971,500 in cash as their loan proceeds. Well, when you solve for RATE ( i ) on that with a 30 year amortization, the actual cost of those funds is 6.27%. And that's if the borrower holds the loan for 30 years. When the borrower holds the loan for less than 30 years, the effect on the actual cost of funds to the borrower is even greater. #realestateinvesting #realestate #TrevorCalton #realestatefinance #investing #commercialrealestate #commercialloan #commercialloans #apartmentloan #multifamilyloan #apartmentinvesting #multifamilyinvesting #discountpoints #loanfees #brueggeman #fisher #linneman #wacc #mortgagerate #mortgageloan #stepbystep #stepbysteptutorial #diagram #example #download #freedownload #howto CRE loan investing in real estate investment properties and commercial real estate commercial real estate lending commercial real estate loan SBA commercial real estate loan commercial real estate financing commercial property loan commercial building loan real estate lending best commercial real estate loans commercial property lending Other Queries : discount points lender points mortgage loan points mortgage loans mortgage points mortgage points explained mortgage rate real estate weighted average cost of capital what are points on a loan what is wacc loan points explained mortgage loan points and fees explained real estate mortgage discount points and loan fees mortgage discount points and loan fees Explaining Mortgage Loan Points and Fees mortgage points and fees wacc explained Thank you for watching "Mortgage Loan Points and Fees Explained | Real Estate Mortgage Discount Points and Loan Fees". Please like, comment, subscribe, and hit the bell 🔔 so that you never miss any videos! 👉Subscribe to our channel: https://www.youtube.com/channel/UCw0j049AchMAisbkhVhj6VA

https://wn.com/“Points”_And_Fees_Explained_|_Understand_Discount_Points_And_Mortgage_Loan_Fees

For COURSES & COACHING, visit https://www.realestatefinanceacademy.com For COMMERCIAL LOANS, visit https://www.evergreen.llc --- Discount points and loan fees are additional charges that are added to the cost of getting a loan, and they're paid by the borrower. But it's important to understand what points and fees are and why they are included as part of the loan. Points are 1% of the loan amount. It's basically adding to the rate, and what discount points do is they allow the lender to capture some of their yield upfront at the beginning of the loan. The reason they're called discount points is because the borrower doesn't pay them to the lender. Typically the lender just deducts them from the loan amount. Lenders don't necessarily need to take the extra step of having the borrower give them a check for the point and then they cut a check to the borrower for the loan. They just deduct the point from the loan. So that's why it's called a discount point. It's discounted from the loan balance. Fees are charged by the lender typically to cover their origination costs. Lenders have staffing costs for people like underwriters, processors, and fees allow the lender just to recoup some of those costs. But here's, what's important to understand about points and fees. They actually increase the borrower's cost of capital. Let me show you an example. Imagine we have a $1 million loan at 6% amortized over 30 years, but the borrower has to pay 2 points plus $8500 in fees. Here's the effect of adding the points and fees into the loan. A $1 million loan at 6% for 30 years would have a $5995 payment per month, but because the lender discounts the points and fees. Out of the loan amount, the net cash that they disperse is $971,500. So the borrower still pays a $5995 payment, but they only actually received $971,500 in cash as their loan proceeds. Well, when you solve for RATE ( i ) on that with a 30 year amortization, the actual cost of those funds is 6.27%. And that's if the borrower holds the loan for 30 years. When the borrower holds the loan for less than 30 years, the effect on the actual cost of funds to the borrower is even greater. #realestateinvesting #realestate #TrevorCalton #realestatefinance #investing #commercialrealestate #commercialloan #commercialloans #apartmentloan #multifamilyloan #apartmentinvesting #multifamilyinvesting #discountpoints #loanfees #brueggeman #fisher #linneman #wacc #mortgagerate #mortgageloan #stepbystep #stepbysteptutorial #diagram #example #download #freedownload #howto CRE loan investing in real estate investment properties and commercial real estate commercial real estate lending commercial real estate loan SBA commercial real estate loan commercial real estate financing commercial property loan commercial building loan real estate lending best commercial real estate loans commercial property lending Other Queries : discount points lender points mortgage loan points mortgage loans mortgage points mortgage points explained mortgage rate real estate weighted average cost of capital what are points on a loan what is wacc loan points explained mortgage loan points and fees explained real estate mortgage discount points and loan fees mortgage discount points and loan fees Explaining Mortgage Loan Points and Fees mortgage points and fees wacc explained Thank you for watching "Mortgage Loan Points and Fees Explained | Real Estate Mortgage Discount Points and Loan Fees". Please like, comment, subscribe, and hit the bell 🔔 so that you never miss any videos! 👉Subscribe to our channel: https://www.youtube.com/channel/UCw0j049AchMAisbkhVhj6VA

• published: 22 Jun 2021
• views: 4192

2:27

Possible homeowners are losing buying power with each mortgage point uptick

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• Duration: 2:27
• Uploaded Date: 08 Sep 2023
• views: 105

With interest rates hovering around the 7.4% range, many would-be homebuyers are vacillating about the opportunity to buy a home. A new Redfin report shows over...

With interest rates hovering around the 7.4% range, many would-be homebuyers are vacillating about the opportunity to buy a home. A new Redfin report shows over the last year, people looking for a home have lost more than $70,000 in buying power. Historically high mortgage rates are hitting buyers where it hurts -- in their budgets. Would-be homeowner Mason Pixley realizes that some of the homes in this market are just not within his budget, and he's not alone. READ MORE: https://www.wcnc.com/article/money/markets/real-estate/possible-homeowners-losing-buying-power-mortgage-point/275-596c6789-946f-4c15-ac41-18d2aa409656

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With interest rates hovering around the 7.4% range, many would-be homebuyers are vacillating about the opportunity to buy a home. A new Redfin report shows over the last year, people looking for a home have lost more than $70,000 in buying power. Historically high mortgage rates are hitting buyers where it hurts -- in their budgets. Would-be homeowner Mason Pixley realizes that some of the homes in this market are just not within his budget, and he's not alone. READ MORE: https://www.wcnc.com/article/money/markets/real-estate/possible-homeowners-losing-buying-power-mortgage-point/275-596c6789-946f-4c15-ac41-18d2aa409656

• published: 08 Sep 2023
• views: 105

4:39

Mortgage Points Explained: How and When to Buy Down Your Mortgage Rate

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• Duration: 4:39
• Uploaded Date: 02 Aug 2018
• views: 77510

#mortgagepoints #points #discountpoints Mortgage Points Explained: How and When to Buy Down Your Mortgage Rate Rates are going up so lenders are talking about ...

#mortgagepoints #points #discountpoints Mortgage Points Explained: How and When to Buy Down Your Mortgage Rate Rates are going up so lenders are talking about points and buying down the interest rate more and more. In this video I cover what a mortgage discount point is and how to determine if buying the interest rate down via points makes sense. Need a mortgage? Give me a call 707-478-0637 For the math in this video check out http://jenniferbeeston.com/uncategorized/mortgage-points-explained Follow me @: Website: https://www.guaranteedrate.com/loan-expert/jenniferbeeston Facebook: https://www.facebook.com/jenniferbeestonmortgage Instagram: @jenbeeston Twitter: https://twitter.com/SFHomeloans LinkedIn: https://www.linkedin.com/in/jenniferreadyloans Zillow: https://www.zillow.com/lender-profile/SF%20Home%20Loans Jennifer is rated as one of the Top Mortgage Originators in the country! Licensing and disclaimers: Fun!!!:) Jennifer Beeston NMLS ID:247743; AR - Licensed, CA - CA-DOC247743 - 413 0699, IA - 33839 , IL - 031.0054184, IN - 41478 , KS - LO.0039219, LA - Licensed, ND - NDMLO247743, NY - Licensed, TX - Licensed, WA - MLO-247743 - CL-2611, WI - 247743, WY - 8203 GR NMLS ID #2611 www.nmlsconsumeraccess.org Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Restrictions may apply, contact Guaranteed Rate for current rates and for more information. All information provided in this publication is for informational and educational purposes only, and in no way is any of the content contained herein to be construed as financial, investment, or legal advice or instruction. Guaranteed Rate, Inc. does not guarantee the quality, accuracy, completeness or timelines of the information in this publication. While efforts are made to verify the information provided, the information should not be assumed to be error free. Some information in the publication may have been provided by third parties and has not necessarily been verified by Guaranteed Rate, Inc. Guaranteed Rate, Inc. its affiliates and subsidiaries do not assume any liability for the information contained herein, be it direct, indirect, consequential, special, or exemplary, or other damages whatsoever and howsoever caused, arising out of or in connection with the use of this publication or in reliance on the information, including any personal or pecuniary loss, whether the action is in contract, tort (including negligence) or other tortious action.

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#mortgagepoints #points #discountpoints Mortgage Points Explained: How and When to Buy Down Your Mortgage Rate Rates are going up so lenders are talking about points and buying down the interest rate more and more. In this video I cover what a mortgage discount point is and how to determine if buying the interest rate down via points makes sense. Need a mortgage? Give me a call 707-478-0637 For the math in this video check out http://jenniferbeeston.com/uncategorized/mortgage-points-explained Follow me @: Website: https://www.guaranteedrate.com/loan-expert/jenniferbeeston Facebook: https://www.facebook.com/jenniferbeestonmortgage Instagram: @jenbeeston Twitter: https://twitter.com/SFHomeloans LinkedIn: https://www.linkedin.com/in/jenniferreadyloans Zillow: https://www.zillow.com/lender-profile/SF%20Home%20Loans Jennifer is rated as one of the Top Mortgage Originators in the country! Licensing and disclaimers: Fun!!!:) Jennifer Beeston NMLS ID:247743; AR - Licensed, CA - CA-DOC247743 - 413 0699, IA - 33839 , IL - 031.0054184, IN - 41478 , KS - LO.0039219, LA - Licensed, ND - NDMLO247743, NY - Licensed, TX - Licensed, WA - MLO-247743 - CL-2611, WI - 247743, WY - 8203 GR NMLS ID #2611 www.nmlsconsumeraccess.org Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Restrictions may apply, contact Guaranteed Rate for current rates and for more information. All information provided in this publication is for informational and educational purposes only, and in no way is any of the content contained herein to be construed as financial, investment, or legal advice or instruction. Guaranteed Rate, Inc. does not guarantee the quality, accuracy, completeness or timelines of the information in this publication. While efforts are made to verify the information provided, the information should not be assumed to be error free. Some information in the publication may have been provided by third parties and has not necessarily been verified by Guaranteed Rate, Inc. Guaranteed Rate, Inc. its affiliates and subsidiaries do not assume any liability for the information contained herein, be it direct, indirect, consequential, special, or exemplary, or other damages whatsoever and howsoever caused, arising out of or in connection with the use of this publication or in reliance on the information, including any personal or pecuniary loss, whether the action is in contract, tort (including negligence) or other tortious action.

• published: 02 Aug 2018
• views: 77510

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4:20

Is Buying Mortgage Points Worth It?

Is Buying Mortgage Points Worth It? Say goodbye to debt forever. Start Ramsey+ for free: h...

published: 16 Oct 2020

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Is Buying Mortgage Points Worth It?

Is Buying Mortgage Points Worth It?

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• published: 16 Oct 2020
• views: 133945

Is Buying Mortgage Points Worth It? Say goodbye to debt forever. Start Ramsey+ for free: https://bit.ly/35ufR1q Visit the Dave Ramsey store today for resources to help you take control of your money! https://goo.gl/gEv6Tj Did you miss the latest Ramsey Show episode? Don’t worry—we’ve got you covered! Get all the highlights you missed plus some of the best moments from the show. Watch debt-free screams, Dave Rants, guest interviews, and more! Want to watch FULL episodes of The Ramsey Show? Make sure to go to The Ramsey Show (Full Episodes) at: https://www.youtube.com/c/TheRamseyShowEpisodes?sub_confirmation=1 Check out the show at 4pm EST Monday-Friday or anytime on demand. Dave Ramsey and his co-hosts talking about money, careers, relationships, and how they impact your life. Tune in to The Ramsey Show and experience one of the most popular talk radio shows in the country! Ramsey Network (Subscribe Now!) • The Ramsey Show (Highlights): https://www.youtube.com/c/TheRamseyShow?sub_confirmation=1 • The Ramsey Show (Full Episodes): https://www.youtube.com/c/TheRamseyShowEpisodes?sub_confirmation=1 • The Dr. John Delony Show: https://www.youtube.com/c/JohnDelony?sub_confirmation=1 • The Rachel Cruze Show: https://www.youtube.com/user/RachelCruze?sub_confirmation=1 • Anthony ONeal: https://www.youtube.com/user/aonealministries?sub_confirmation=1 • The Ken Coleman Show: https://www.youtube.com/c/TheKenColemanShow?sub_confirmation=1 • The Christy Wright Show: https://www.youtube.com/c/ChristyWright?sub_confirmation=1 • EntreLeadership: https://www.youtube.com/c/entreleadership?sub_confirmation=1

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6:26

Paying Points on a Mortgage EXPLAINED / Origination and Discount Fees | #mortgagepoints

Are you considering paying points on a mortgage buying down your interest rate? You want ...

published: 11 Feb 2023

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Paying Points on a Mortgage EXPLAINED / Origination and Discount Fees | #mortgagepoints

Paying Points on a Mortgage EXPLAINED / Origination and Discount Fees | #mortgagepoints

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• published: 11 Feb 2023
• views: 16653

Are you considering paying points on a mortgage buying down your interest rate? You want to watch this first! I will explain the difference between origination and discount points- which you will see this term thrown around online everywhere! I'll also cover a sample calculation and how to know if the upfront cost is worth it to buy down. Thank you for tuning in! Chapters 00:00 Introduction 00:15 Definition of Paying Points on a Mortgage 01:20 Calculation of a 1% Buydown 02:03 Origination Point vs Discount Point 02:39 Buydown vs No Buydown 03:56 Recoup Time Calculation 04:38 Is It Worth It? 04:58 Refinancing Later? 05:33 Buying Down More Points 👉TikTok: @loanwithjen 👉Instagram: @loanwithjen 👉Facebook: https://www.facebook.com/loanwithjen Jennifer Hughes Hernandez, Legacy Mutual Mortgage - Equal Housing Opportunity Lender NMLS #514497 💻 http://checklist.loanwithjen.com/ 💻 http://apply.loanwithjen.com/ 💻 Visit My Website - https://www.loanwithjen.com/ 📌More Helpful Content: ▶️Why You Should Use A Local Lender: https://www.youtube.com/watch?v=shkijZmEonA ▶️How to Buy A House With Low Income: https://www.youtube.com/watch?v=OcyjWe0snWU ▶️Using Rental Income To Qualify For A Mortgage: https://www.youtube.com/watch?v=kv0eXzl1YUo

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12:39

Should I pay points on a Mortgage?

In this video, I talk and answer this very common and million-dollar question Should I pay...

published: 12 Jun 2021

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Should I pay points on a Mortgage?

Should I pay points on a Mortgage?

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• published: 12 Jun 2021
• views: 16376

In this video, I talk and answer this very common and million-dollar question Should I pay points on a mortgage. What are mortgage points? Is it good or bad? How do we get or earn mortgage points or when do mortgage points make sense? All this I'm going to discuss to give you an idea of how mortgage points work. Watch the video to see what I mean. Like, comment, subscribe, and share this with a friend! I love real estate and everything that has to do with real estate investing mortgage, and personal finance. If you enjoyed this video and found value, please consider subscribing! 📢 Ready to get started with a broker? Start here 🤵https://co.umortgage.com/3x8zMTb Thanks for watching! ✅⏰📱✅⏰📱✅⏰📱✅⏰📱✅⏰📱✅⏰📱✅⏰📱✅⏰📱✅⏰📱✅⏰📱✅⏰📱 Matt The Mortgage Guy School 🏫 Enroll in the Mortgage 101 course to get a behind-the-scenes look at what you need to know about the mortgage and buying process. Put aside what marketers tell you and get the TRUTH about mortgages inside this video course. Click the link below👇 for more details and Enroll Now! Link 👉 https://matt-the-mortgage-guy-school.teachable.com/ ✅⏰📱✅⏰📱✅⏰📱✅⏰📱✅⏰📱✅⏰📱✅⏰📱✅⏰📱✅⏰📱✅⏰📱✅⏰📱 Subscribe NOW for more mortgage/real estate/finance straight talk: https://www.youtube.com/channel/UCq2XM1Q4PXs-msULABdk2Yw Visit my website for more info ▶ https://co.umortgage.com/3x8zMTb Business inquiries contact me at ▶ [email protected] A few videos that might be helpful: The importance of working with a pro: ▶https://youtu.be/zuceT1O05NQ Make a million dollars with 1 rental : ▶ https://youtu.be/dI_TKq84-w4 Real estate investing for beginners: ▶ https://youtu.be/Pt3Yig7IpXk Buying or Refinancing in CA? APPLY NOW: ▶ https://co.umortgage.com/3LJJO0Z More info on buying: ▶ https://co.umortgage.com/3JdU2oH More info on refinancing: ▶ https://co.umortgage.com/35QZb8Q BUILD YOUR CREDIT for $2/mo : ▶https://kikoff.pxf.io/mtmg Cheers! 👏😄 Cheers!💖🙌🤝

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10:43

Interest Rate Buy Downs - How It Works And Why You Should Get It (First Time Home Buyers)

► ► *Get An Agent Referral anywhere in the US* https://homeandmoney.com/javier/ ► ► *Home ...

published: 01 Jul 2022

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Interest Rate Buy Downs - How It Works And Why You Should Get It (First Time Home Buyers)

Interest Rate Buy Downs - How It Works And Why You Should Get It (First Time Home Buyers)

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• published: 01 Jul 2022
• views: 120698

► ► *Get An Agent Referral anywhere in the US* https://homeandmoney.com/javier/ ► ► *Home Buying Resources I Created For You* https://javiervidana.gumroad.com/l/silsl 🌵 Work With Javy in Phoenix, AZ ► ► *Contact Info* [email protected] or 623-707-9836 ► ► *Send me a DM* https://www.instagram.com/thejaviervidana 🪙 Resources I Have Gathered For You ► ► *The Best Credit Tool For Home Buyers* www.smartcredit.com/javier ► ► *The Best Mortgage Calculator (use code JAVY)* https://www.winthehouseyoulove.com/tools/advisor 🤙 Join The Community ✅ Discord ► ► https://discord.gg/R4quqgArbf ✅ Twitch ► ► https://www.twitch.tv/javiervidana ❗ Disclaimer ► ► https://app.termly.io/document/disclaimer/02b5a8e7-3567-48b2-81af-2b2935e6addb #realestate #firsttimehomebuyer #javiervidana

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1:17

What are points and credits? | Better

published: 10 Sep 2018

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What are points and credits? | Better

What are points and credits? | Better

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11:12

Should You Pay MORTGAGE POINTS | Should I Pay POINTS on a Mortgage | Mortgage Points Explained

🟢Ready to Buy a House & You Don't Know Where to Start? Start Here! My FREE Download: https...

published: 23 Sep 2021

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Should You Pay MORTGAGE POINTS | Should I Pay POINTS on a Mortgage | Mortgage Points Explained

Should You Pay MORTGAGE POINTS | Should I Pay POINTS on a Mortgage | Mortgage Points Explained

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• published: 23 Sep 2021
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🟢Ready to Buy a House & You Don't Know Where to Start? Start Here! My FREE Download: https://bit.ly/3QWqfbq 🚨Do Not Buy a House without My First Time Homebuyer Masterclass with Digital Confidently Closed Handbook, Because After Closing is Too Late: https://bit.ly/47s4pT7 🚨 Ready to Buy Your First House? Watch these videos & Visit my playlists! ⭐8 Steps to Buy a House - https://youtu.be/fgUkwjA12V4 ⭐ Where Should You Start? - https://youtu.be/0IOl5pAC_Gk ⭐ Most Important People in the Home Buying Process - https://youtu.be/5N70wMXgmgU ⭐ What is Included in your Mortgage Payment: https://youtu.be/P_JC8b6wKMU ⭐New Construction - https://youtu.be/QoCctKxuJxA ⭐FHA or Conventional - https://youtu.be/gXfEGPd3k4Y ⭐Buying a House with Student Loans - https://youtu.be/yunqWv1xIUU ⭐7 Day Perfect Credit Plan - https://youtu.be/4QU7g6IS7BQ ⭐Can you afford a house: DTI Ratio - https://youtu.be/S3glBuf2fRw ⭐What happens at closing -https://youtu.be/heCUdtcGMls ⭐NACA Home Buying Program -https://youtu.be/HLLluwaAfrQ ⭐Should I Rent or Buy? - https://youtu.be/NPgOyRZKfmU ⭐ Get Your Real Estate License Online- https://youtu.be/kHen6QrArwg ⭐⭐PLAYLISTS - https://www.youtube.com/c/ShaheedahHillRealEstate/playlists 🟦Join My First Time Buyers Facebook Group🟦 https://www.facebook.com/groups/HillsFirstTimeBuyers/members/

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5:13

What Are Mortgage Points? [Mortgage Points Explained] | #LoanwithJen #mortgagepoints

What Are Mortgage Points? | Mortgage Points Explained What are Mortgage Points? You will...

published: 17 Jun 2020

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What Are Mortgage Points? [Mortgage Points Explained] | #LoanwithJen #mortgagepoints

What Are Mortgage Points? [Mortgage Points Explained] | #LoanwithJen #mortgagepoints

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• published: 17 Jun 2020
• views: 22136

What Are Mortgage Points? | Mortgage Points Explained What are Mortgage Points? You will see them listed as origination fees, discount fees or mortgage points on your fee worksheet. Points are the amount you pay at closing for a lower rate. To calculate the amount of time to recoup this cost, divide the origination fee from the monthly interest rate savings to figure out how long it will take to recoup your initial investment. For more information on selling your investment properties, contact us at www.loanwithjen.com Equal Housing Lender NMLS # 514497 #LoanWithJen #MortgagePointsExplained #Mortgage #Points 👉TikTok: @loanwithjen 👉Instagram: @loanwithjen 👉Facebook: https://www.facebook.com/loanwithjen Jennifer Hughes Hernandez, Legacy Mutual Mortgage - Equal Housing Opportunity Lender NMLS #514497 💻 Documents Needed to Get Pre-Approved Texas: http://checklist.loanwithjen.com/ 💻 Loan With Jen | Do Business With Us!: http://apply.loanwithjen.com/ 💻 Visit My Website - Mortgage Lender Houston | Loan With Jen Education - https://www.loanwithjen.com/ 📌More Helpful Content: ▶️The Myths and Truths About Credit Inquiries: https://youtu.be/d_RQJnTsVPE ▶️Why You Should Use A Local Lender: https://www.youtube.com/watch?v=shkijZmEonA ▶️How to Buy A House With Low Income: https://www.youtube.com/watch?v=OcyjWe0snWU ▶️Using Rental Income To Qualify For A Mortgage: https://www.youtube.com/watch?v=kv0eXzl1YUo

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2:43

“Points” and Fees Explained | Understand Discount Points and Mortgage Loan Fees

For COURSES & COACHING, visit https://www.realestatefinanceacademy.com For COMMERCIAL LOAN...

published: 22 Jun 2021

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“Points” and Fees Explained | Understand Discount Points and Mortgage Loan Fees

“Points” and Fees Explained | Understand Discount Points and Mortgage Loan Fees

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• published: 22 Jun 2021
• views: 4192

For COURSES & COACHING, visit https://www.realestatefinanceacademy.com For COMMERCIAL LOANS, visit https://www.evergreen.llc --- Discount points and loan fees are additional charges that are added to the cost of getting a loan, and they're paid by the borrower. But it's important to understand what points and fees are and why they are included as part of the loan. Points are 1% of the loan amount. It's basically adding to the rate, and what discount points do is they allow the lender to capture some of their yield upfront at the beginning of the loan. The reason they're called discount points is because the borrower doesn't pay them to the lender. Typically the lender just deducts them from the loan amount. Lenders don't necessarily need to take the extra step of having the borrower give them a check for the point and then they cut a check to the borrower for the loan. They just deduct the point from the loan. So that's why it's called a discount point. It's discounted from the loan balance. Fees are charged by the lender typically to cover their origination costs. Lenders have staffing costs for people like underwriters, processors, and fees allow the lender just to recoup some of those costs. But here's, what's important to understand about points and fees. They actually increase the borrower's cost of capital. Let me show you an example. Imagine we have a $1 million loan at 6% amortized over 30 years, but the borrower has to pay 2 points plus $8500 in fees. Here's the effect of adding the points and fees into the loan. A $1 million loan at 6% for 30 years would have a $5995 payment per month, but because the lender discounts the points and fees. Out of the loan amount, the net cash that they disperse is $971,500. So the borrower still pays a $5995 payment, but they only actually received $971,500 in cash as their loan proceeds. Well, when you solve for RATE ( i ) on that with a 30 year amortization, the actual cost of those funds is 6.27%. And that's if the borrower holds the loan for 30 years. When the borrower holds the loan for less than 30 years, the effect on the actual cost of funds to the borrower is even greater. #realestateinvesting #realestate #TrevorCalton #realestatefinance #investing #commercialrealestate #commercialloan #commercialloans #apartmentloan #multifamilyloan #apartmentinvesting #multifamilyinvesting #discountpoints #loanfees #brueggeman #fisher #linneman #wacc #mortgagerate #mortgageloan #stepbystep #stepbysteptutorial #diagram #example #download #freedownload #howto CRE loan investing in real estate investment properties and commercial real estate commercial real estate lending commercial real estate loan SBA commercial real estate loan commercial real estate financing commercial property loan commercial building loan real estate lending best commercial real estate loans commercial property lending Other Queries : discount points lender points mortgage loan points mortgage loans mortgage points mortgage points explained mortgage rate real estate weighted average cost of capital what are points on a loan what is wacc loan points explained mortgage loan points and fees explained real estate mortgage discount points and loan fees mortgage discount points and loan fees Explaining Mortgage Loan Points and Fees mortgage points and fees wacc explained Thank you for watching "Mortgage Loan Points and Fees Explained | Real Estate Mortgage Discount Points and Loan Fees". Please like, comment, subscribe, and hit the bell 🔔 so that you never miss any videos! 👉Subscribe to our channel: https://www.youtube.com/channel/UCw0j049AchMAisbkhVhj6VA

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2:27

Possible homeowners are losing buying power with each mortgage point uptick

With interest rates hovering around the 7.4% range, many would-be homebuyers are vacillati...

published: 08 Sep 2023

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Possible homeowners are losing buying power with each mortgage point uptick

Possible homeowners are losing buying power with each mortgage point uptick

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• published: 08 Sep 2023
• views: 105

With interest rates hovering around the 7.4% range, many would-be homebuyers are vacillating about the opportunity to buy a home. A new Redfin report shows over the last year, people looking for a home have lost more than $70,000 in buying power. Historically high mortgage rates are hitting buyers where it hurts -- in their budgets. Would-be homeowner Mason Pixley realizes that some of the homes in this market are just not within his budget, and he's not alone. READ MORE: https://www.wcnc.com/article/money/markets/real-estate/possible-homeowners-losing-buying-power-mortgage-point/275-596c6789-946f-4c15-ac41-18d2aa409656

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4:39

Mortgage Points Explained: How and When to Buy Down Your Mortgage Rate

#mortgagepoints #points #discountpoints Mortgage Points Explained: How and When to Buy Dow...

published: 02 Aug 2018

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Mortgage Points Explained: How and When to Buy Down Your Mortgage Rate

Mortgage Points Explained: How and When to Buy Down Your Mortgage Rate

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• published: 02 Aug 2018
• views: 77510

#mortgagepoints #points #discountpoints Mortgage Points Explained: How and When to Buy Down Your Mortgage Rate Rates are going up so lenders are talking about points and buying down the interest rate more and more. In this video I cover what a mortgage discount point is and how to determine if buying the interest rate down via points makes sense. Need a mortgage? Give me a call 707-478-0637 For the math in this video check out http://jenniferbeeston.com/uncategorized/mortgage-points-explained Follow me @: Website: https://www.guaranteedrate.com/loan-expert/jenniferbeeston Facebook: https://www.facebook.com/jenniferbeestonmortgage Instagram: @jenbeeston Twitter: https://twitter.com/SFHomeloans LinkedIn: https://www.linkedin.com/in/jenniferreadyloans Zillow: https://www.zillow.com/lender-profile/SF%20Home%20Loans Jennifer is rated as one of the Top Mortgage Originators in the country! Licensing and disclaimers: Fun!!!:) Jennifer Beeston NMLS ID:247743; AR - Licensed, CA - CA-DOC247743 - 413 0699, IA - 33839 , IL - 031.0054184, IN - 41478 , KS - LO.0039219, LA - Licensed, ND - NDMLO247743, NY - Licensed, TX - Licensed, WA - MLO-247743 - CL-2611, WI - 247743, WY - 8203 GR NMLS ID #2611 www.nmlsconsumeraccess.org Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Restrictions may apply, contact Guaranteed Rate for current rates and for more information. All information provided in this publication is for informational and educational purposes only, and in no way is any of the content contained herein to be construed as financial, investment, or legal advice or instruction. Guaranteed Rate, Inc. does not guarantee the quality, accuracy, completeness or timelines of the information in this publication. While efforts are made to verify the information provided, the information should not be assumed to be error free. Some information in the publication may have been provided by third parties and has not necessarily been verified by Guaranteed Rate, Inc. Guaranteed Rate, Inc. its affiliates and subsidiaries do not assume any liability for the information contained herein, be it direct, indirect, consequential, special, or exemplary, or other damages whatsoever and howsoever caused, arising out of or in connection with the use of this publication or in reliance on the information, including any personal or pecuniary loss, whether the action is in contract, tort (including negligence) or other tortious action.

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Point (mortgage)

Points, sometimes also called "discount points", are a form of pre-paid interest. One point equals one percent of the loan amount. By charging a borrower points, a lender effectively increases the yield on the loan above the amount of the stated interest rate. Borrowers can offer to pay a lender points as a method to reduce the interest rate on the loan, thus obtaining a lower monthly payment in exchange for this up-front payment. In United States, for each point purchased, the loan rate is typically reduced by anywhere from 1/8% (0.125%) to 1/4% (0.25%).

Selling the property or refinancing prior to this break-even point will result in a net financial loss for the buyer while keeping the loan for longer than this break-even point will result in a net financial savings for the buyer. The longer you keep the property financed under the loan with purchased points, the more the money spent on the points will pay off. Accordingly, if the intention is to buy and sell the property or refinance in a rapid fashion, paying points is actually going to end up costing more than just paying the loan at the higher interest rate.

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This page contains text from Wikipedia, the Free Encyclopedia - https://wn.com/Point_(mortgage)

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