{"id":100,"date":"2014-01-13T21:47:50","date_gmt":"2014-01-13T21:47:50","guid":{"rendered":"http:\/\/fastforwardstories.com\/?p=100"},"modified":"2014-01-13T21:47:50","modified_gmt":"2014-01-13T21:47:50","slug":"what-are-discount-points","status":"publish","type":"post","link":"https:\/\/trumantitle.com\/2014\/01\/13\/what-are-discount-points\/","title":{"rendered":"What Are Discount Points?"},"content":{"rendered":"<p><script src=\"https:\/\/fast.wistia.com\/assets\/external\/E-v1.js\" async><\/script><\/p>\n<div class=\"wistia_responsive_padding\" style=\"padding:56.25% 0 0 0;position:relative;\">\n<div class=\"wistia_responsive_wrapper\" style=\"height:100%;left:0;position:absolute;top:0;width:100%;\">\n<div class=\"wistia_embed wistia_async_s532ifo9p4 dnt=1 videoFoam=true\" style=\"height:100%;position:relative;width:100%\">\n<div class=\"wistia_swatch\" style=\"height:100%;left:0;opacity:0;overflow:hidden;position:absolute;top:0;transition:opacity 200ms;width:100%;\"><img src=\"https:\/\/fast.wistia.com\/embed\/medias\/s532ifo9p4\/swatch\" style=\"filter:blur(5px);height:100%;object-fit:contain;width:100%;\" alt=\"\" aria-hidden=\"true\" onload=\"this.parentNode.style.opacity=1;\" \/><\/div>\n<\/div>\n<\/div>\n<\/div>\n<p>Discount points allow you to lower your interest rate. While this video simplifies things to help you remember, &#8220;points&#8221; are essentially prepaid interest with each point equaling 1% of the total loan amount.<\/p>\n<p>Generally, for each point paid on a 30-year mortgage the interest rate is reduced by 1\/8 (or.125) of a percentage point.<\/p>\n<p>When shopping for loans, ask lenders for an interest rate with 0 points and then see how much the rate decreases with each point paid.<\/p>\n<p>Discount points are smart if you plan to stay in a home for some time since they can lower the monthly loan payment.<\/p>\n<p>Points are tax deductible when you purchase a home and you may be able to negotiate for the seller to pay for some of them.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Discount points allow you to lower your interest rate. While this video simplifies things to help you remember, &#8220;points&#8221; are essentially prepaid interest with each point equaling 1% of the total loan amount. Generally, for each point paid on a 30-year mortgage the interest rate is reduced by 1\/8 (or.125) of a percentage point. When&hellip;<\/p>\n","protected":false},"author":51,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":""},"categories":[8],"tags":[17],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v19.6.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What Are Discount Points? - Warrensburg, Higginsville, Lexington, MO | Truman Title, Inc.<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/trumantitle.com\/2014\/01\/13\/what-are-discount-points\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What Are Discount Points? - Warrensburg, Higginsville, Lexington, MO | Truman Title, Inc.\" \/>\n<meta property=\"og:description\" content=\"Discount points allow you to lower your interest rate. While this video simplifies things to help you remember, &#8220;points&#8221; are essentially prepaid interest with each point equaling 1% of the total loan amount. Generally, for each point paid on a 30-year mortgage the interest rate is reduced by 1\/8 (or.125) of a percentage point. 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