FOR YOUR INFORMATION - AN EDUCATIONAL NOTE:

   WHEN YOU ARE LOOKING AT THE CURRENT INTEREST RATE AND YOU SEE A MINUS SIGN IN THE "POINTS" SECTION THIS MEANS THAT THE LENDER IS PAYING A PERCENTAGE (REBATE) OF THE LOAN AMOUNT TO YOU TOWARDS THE CLOSING COSTS OF YOUR LOAN! EXAMPLE:

LOAN AMOUNT: $250,000

INTEREST RATE: 30 YEAR FIXED - 4.375%

POINTS: -0.944

30 DAY LOCK

TAKE THE LOAN AMOUNT OF $250,000.00 AND MULTIPLY IT BY -0.944 = $2,360.00

THE AMOUNT THE LENDER IS PAYING TOWARDS YOUR CLOSING COSTS! 

EXAMPLE: IF THE BROKER FEE IS ONE POINT - THE LENDER IS PAYING $2,360.00

OF THE BROKER FEE! A GREAT LOW INTEREST RATE AND THE BROKER FEE BEING 

PAID. IF YOU GO WITH A SLIGHTLY HIGHER INTEREST RATE - MORE REBATE 

LESS CLOSING COSTS. THE REBATE APPLIES TO THE CLOSING COSTS OF YOUR LOAN!

YOU ARE IN CONTROL OF HOW YOU WANT TO STRUCTURE YOUR LOAN! 

A WIN-WIN SITUATION! 

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