Every homebuyer faces this question: Should I pay for points or keep that cash?

Here’s how to decide:

1️⃣ Calculate the Break-Even Point

Divide the cost of the points by the monthly savings. If it takes 4 years to break even — and you plan to stay longer — buying points can make sense.

2️⃣ Consider Your Future Plans

If you expect to refinance or move soon, skip the buydown.

3️⃣ Look at the Market

When rates are high, a buydown can help you lock in comfort now — and you can always refinance later if rates drop.

At Bluegrey Mortgage, we’ll do a side-by-side comparison so you can see the real difference in payment, savings, and long-term value.

Smart mortgage planning starts with clear numbers — and we’ve got you covered.