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Home About US Mortgage Tips Mortgage Tools Mortgage Terms Mortgage Rates Mortgage Articles How mortgage works Other Links Guestbook	Points Pay Points to get a lower interest rate. Why? By paying points, you will get a lower interest rate which will give you a lower monthly payment. This is good if you are going to have the mortgage for a long time. If you think that you will move and/or refinance within 10 years, then points will NOT be to your advantage in the long run.	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