REPORT PREVIEW · CLIENT‑SIDE
Points Strategy Report
Ranks points options using your hold period + opportunity cost. This is designed to prevent “I paid points and refinanced too soon” mistakes.
Inputs
Recommendation
Locked: Enter an unlock code to view the recommendation and points matrix.
Points Matrix
Negotiation Checklist
- Ask for the full rate sheet: points pricing is not linear day-to-day.
- Compare “same lock” quotes: rate/points change daily; compare apples-to-apples.
- Consider seller credits: sometimes credits beat price reductions for short hold periods.
Disclaimer: Educational estimate only. Lender pricing and underwriting can change the real outcome.