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If you are considering buying down your interest rate (paying more upfront to get a lower rate), consider your break-even point! 


The break-even point is the amount of time that it will take you to recoup any additional funds you spend upfront with the savings you receive in your monthly payment.

Sometimes it makes sense to pay more money upfront in order to save a little bit each month. Sometimes it doesn't!

It's important to consider this break-even point in relation to how long you expect to retain this loan. You might sell or refinance before your break-even point arrives.

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