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low APR with points vs High APR with lender credits

AryaD

By AryaD
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AryaD

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Can someone educate me with choosing between low APR with points vs High APR with lender credits. Submitted an offer for a primary house with value $500K and putting $130K as down payment. I can afford monthly EMIs up to 3K. What are the factors that i should consider in choosing the better rate. If anyone got their loan estimate in Feb  please share the rate ,credit and point details.

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