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How to Get a Mortgage – Getting a mortgage shouldn’t be. In our detailed guide on how to get a mortgage, learn everything you need. Read it before you ever go house-hunting. Mortgage pre-approval is when a lender takes a.
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paying points to lower interest rate The cost of each point is equal to one percent of the loan amount. For instance, for a $100,000 loan, one discount point equals ,000. Paying for points lowers your interest rate, because the lender receives the income in a lump sum at closing rather than collecting the interest as you make payments on your loan.