[mpimping]

Originally Posted by shpuntik

My rate, as of today is 5.625% with 0 points on a Single Family Home in Mass, on a 60 day lock.

I would not pay points if I was you, take a look at it from a mathematical perspective:

5.625% @ 0 points = $1,916/month (Principle & Interest)
5.50% @ .50 points = $1,890/month (Principle & Interest)

Monthly Savings = $26
Points = $1,665
Time to recoup the costs = 64 Months/ 5 Years 4 months.

Absolutely not worth it. Put that money in a interest bearing account and make it work for you. Discipline is key.

how much in junk fees?