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Home About US Mortgage Tips Mortgage Tools Mortgage Terms Mortgage Rates Mortgage Articles How mortgage works Other Links Guestbook	How do points help How do points help? If you are keeping your mortgage Full-term OR for most of the life of the mortgage (NO paying off early OR refinancing), then it is to your benefit to pay for points. This will give you a lower interest which you will end up paying less in the long-run. NOTE: There is an upfront cost that could discourage most home owners.	Bookmark US! Add us to your Favorites! Links: Pay it off sooner Lower your payment How Mortgage works Mortgage Calculators Save hundreds on your mortgage