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Should I pay points to lower the rate?

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Points		 More
Points
Loan Amount $ $
Term in Years
Interest Rate % %
Discount Points % %
Origination Fee % %
Other Loan Costs $ $
 
State + Federal Tax Rate %
Purchase Price $
Yearly Property Taxes $
Yearly Homeowner's Insurance $
Years Before You Sell/Pay Off Loan
Your Savings Rate %
 
If Loans Have Adjustable Rates:
Months Before First Adjustment
Months Between Adjustments
Maximum Rate Change/Adjustment % %
Minimum Rate % %
Maximum Rate % %
Margin % %
Initial Index Value
Index Rate Change Per Adjustment
Months Between Index Adjustments
 
Regarding Loan One:
  Fixed Rate Mortgage
  Adjustable Rate Mortgage
  Interest Rates Will Increase
  Interest Rates Will Remain The Same
  Interest Rates Will Decrease
 
Regarding Loan Two:
  Fixed Rate Mortgage
  Adjustable Rate Mortgage
  Interest Rates Will Increase
  Interest Rates Will Remain The Same
  Interest Rates Will Decrease

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The accuracy of this calculator and its applicability to your circumstances is not guaranteed. You should obtain personal advice from qualified professionals.