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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 and can be used to lower your closing costs in exchange for accepting a higher interest rate.
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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 and can be used to lower your closing costs in exchange for accepting a higher interest rate.
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What are points and credits?
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