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Today's Mortgage RatesAs of January 24, 2021, 6:05 pm PST
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Points / Credits
A Point, or a "Discount Point" is equivalent to 1% of your loan amount. It is an up-front fee paid to your lender at closing to lower your interest rate over the life of your loan.

A Credit is the opposite of a point. It is a rebate you can use towards your closing costs in exchange for a higher interest rate over the life of your loan.
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A Point, or a "Discount Point" is equivalent to 1% of your loan amount. It is an up-front fee paid to your lender at closing to lower your interest rate over the life of your loan.

A Credit is the opposite of a point. It is a rebate you can use towards your closing costs in exchange for a higher interest rate over the life of your loan.
Was this helpful?
What are points and credits?
  • Please note all information, loan programs, interest rates & fees are subject to change without notice.
  • We don't yet have your complete financial picture. This is not a commitment to lend.
  • All loans are subject to underwriter approval. Your actual rate, payment, and costs could be higher.
  • Get an official quote before making a decision.
  • In some cases, we arrange but do not make loans.
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