What are mortgage points?
They let you buy your way into a cheaper loan. But it pays to do a little analysis first.
6 min read
Jul 16, 2025
Erin Lowry
Expert Reviewer, Personal Finance
EXPERTISE
- Credit cards
- Debt management
- Personal finance
- Retirement
- Wealth
- Budgeting
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Meet our expertsAbout Erin
Erin Lowry is the author of the four-part Broke Millennial series, including: Broke Millennial, Broke Millennial Takes On Investing, Broke Millennial Talks Money and Broke Millennial Workbook: Take Control and Get Your Financial Life Together. Erin’s been featured in The New York Times, Wall Street Journal, and on GMA3, ABC News, CBS Sunday Morning, CNBC and The Rachael Ray Show. She has written for The New York Times, USA Today, and other major publications.
Erin's latest articles
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What is the APR on a personal loan?
An APR is a snapshot of how much your personal loan will cost each year.
6 min read Jul 16, 2025 -
Does your loan purpose matter? Yes — here’s why
The reason you get a loan is personal, but it could affect which lender you select.
4 min read Jul 15, 2025 -
How to buy a house with a low income
Yes, you can buy a house with a low income.
9 min read Jul 14, 2025 -
Can you sell your house if you still have a mortgage on it?
Can you sell your house even if you still owe money on your mortgage?
7 min read Jul 11, 2025 -
What happens if you default on a personal loan — and how do you prevent it?
A personal loan default hurts your credit score. Here’s how to avoid it.
7 min read Jul 11, 2025 -
4 reasons to have multiple savings accounts
Here’s how multiple savings accounts can help you reach your financial goals.
4 min read Jul 07, 2025 -
How to delete your Experian account
You can use your Experian account to check your credit, but you don’t have to keep it.
4 min read Jun 30, 2025