: If the break-even is long (e.g., 8+ years), you might see a better return by investing that cash in a high-yield savings account or a 401(k). Key Considerations for 2026

The most critical factor in deciding to buy points is your —the time it takes for your monthly interest savings to equal the upfront cost of the points.

: One mortgage point typically costs 1% of your total loan amount . For a $400,000 mortgage, one point would cost $4,000.