(916) 555-1212
  • 			    No matter what type of loan you need, we're with you every step of the way.

    No matter what type of loan you need, we're with you every step of the way.

  • 			    Your home could be waiting, let us help find the loan to go with it.

    Your home could be waiting, let us help find the loan to go with it.

  • 			    REFINANCING is easy with our professionals' help.

    REFINANCING is easy with our professionals' help.

Should I pay points to lower my interest rate?

Yes, if you plan to stay in the property for a least a few years. Paying discount points to lower the loan's interest rate is a good way to lower your required monthly loan payment, and possibly increase the loan amount that you can afford to borrow. However, if you plan to stay in the property for only a year or two, your monthly savings may not be enough to recoup the cost of the discount points that you paid up-front.

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