How many points is too much for a mortgage loan of 250,000 from a loan officer?
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It depends on how good of a deal they’re getting for you. Basically how far below the market rate your interest will be for the type of program you’re applying for. That’s a bit difficult to gauge without looking at the whole loan and your qualifications.
Average is 1-2 points and that’s assuming you’re receiving a rate MUCH lower than the average bank’s rate in your area.
depends on the interest rate you get.
Generally, 1% origination fee is standard..and maybe a discount point if you are asking for a lower rate.