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What are discount points, and what comparison does CFPB recommend before paying them?

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Arkansas State University

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Morgan State University

General mortgage education for readers considering housing near Morgan State University The following questions explain general CFPB mortgage guidance. They are not Morgan State University programs, financial aid, endorsements, or individual borrowing advice. Your actual Loan Estimate, lender terms, property and circumstances determine what applies; no loan eligibility, rate, approval or transaction outcome is established. CFPB describes points as an upfront lender fee in exchange for a lower interest rate. Ask about a comparable loan without points and how each choice affects the rate and total loan cost. Pricing, holding period, and break-even are borrower- and offer-specific. CFPB Loan Estimate Explainer. Publisher last modified October 29, 2025; retained evidence observed October 18, 2026.

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