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Buying Mortgage Points Can Lower Your House Payments. But What the Heck Are They?

Mortgage rates have hit record-setting lows time and time again in 2020, offering Americans a chance to save big when either buying a home or refinancing their existing one.



a close up of a sign: Mortgage-Point


© Chris Gash for Money
Mortgage-Point

Those bargain-basement rates aren’t available to just anyone, though. The lowest rates are usually reserved for borrowers with the best credit. So increasing your credit score? That can help your case a lot. Because rates vary from one lender to the next, so can shopping around for your mortgage company.

If you’re willing to do some careful calculations, there’s also a third, lesser-known way to snag a low interest rate and save cash over the long haul: Buy mortgage points.

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What are mortgage points?

When you apply for a home loan, you’ll have the opportunity to buy mortgage points. Each point costs 1% of your loan amount and lowers your interest by a

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Buying Guide: This olive oil sprayer is the perfect kitchen companion | Home & Garden



Oil Sprayer

(AMAZON)

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If you’re trying to cook healthier meals at home, you’re probably already stocked with olive oil. But this healthy fat, popular in the Mediterranean diet, is only healthy in moderation—and it can be hard to tell just how much you need when pouring straight from the bottle. That’s where this oil sprayer comes in.

An Even Coat for Even Cooking

Whether you’re roasting, air frying, or baking your meal, this oil sprayer allows you to evenly coat meat or vegetables with a thin layer for a crispy finish without unnecessary calories. The simple pumping action provides a fine mist and keeps your hands clean and free from messy oil while you cook.

It’s Not Just for Olive Oil

This olive oil mister is so handy that you

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House prices jump by most in four years amid COVID-19 buying boom

Estate agents property for sale boards on display outside a residential property in north London. Photo: Dinendra Haria / SOPA Images/Sipa USA
Estate agents property for sale boards on display outside a residential property in north London. Photo: Dinendra Haria / SOPA Images/Sipa USA

UK house prices are surging at their fastest rate in four years, as pent-up demand post-lockdown and a temporary stamp duty cut fuel a buying boom.

Nationwide’s closely-watched House Price Index found prices jumped by 5% on an annual basis in September, the biggest increase since September 2016.

Prices grew by 0.9% between August and September. Both the annual growth figure and the month-on-month growth were ahead of City forecasts.

The average UK house price now stands at £226,129 ($288,167), Nationwide said.

Watch: Why house prices are rising despite COVID-19 and a recession in the UK

“The rebound reflects a number of factors,” said Robert Gardner, Nationwide’s Chief Economist.

“Pent-up demand is coming through, with decisions taken to move before lockdown now progressing. The stamp duty holiday is

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Not all online banks offer wire transfers, can complicate home buying

Personal Finance Insider writes about products, strategies, and tips to help you make smart decisions with your money. We may receive a small commission from our partners, like American Express, but our reporting and recommendations are always independent and objective.

  • On the morning I was supposed to close on my first home, I found out that the online bank where I’d saved my down payment didn’t offer outgoing wire transfers.
  • Because I didn’t have access to wires to transfer money instantly, I couldn’t get my cash to the title company that day, and it meant pushing back my closing. 
  • It turns out that my bank isn’t an outlier — many popular online banks don’t offer outgoing wire transfer services, which could be a big problem for home buyers.
  • If you’re using an online bank to save for your down payment, plan ahead. Make sure you can make a wire transfer,
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Buying a Home You’ve Only Seen Online: What You Need to Know

Not only can you buy a house you’ve only seen online, as a real estate investor, you might prefer to do so, at least once you have a system in place. Buying homes online has actually been a strategy for people buying investment property for some time, particularly if said investment property is in an area not local to the investor. And with the coronavirus on the scene, more people have adopted the process as they have become used to doing business virtually, plus not physically going into homes addresses safety concerns.

Buying a home online can speed up the acquisition process, saving you time to plan your next investment opportunity. Here’s what you need to know.

Set parameters for searching

Determine the niche you want to market to for this investment property. This includes price range, home size, location, and any other parameters you deem important.

For example, your

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Why Buying Natural Quartzite Countertops for Kitchen Is a Great Idea!

A kitchen is a place where some of the best experiments in the world happen, every day! A beautiful kitchen is a wonderful gift to a wife. Kitchens have greatly evolved over the years. Bulky wooden cabinets with Victorian looks are out of fashion, thanks to natural stone and solid surface cabinets for making their way into the kitchen space.

A modern kitchen is simple and utilitarian, but scores greatly on aesthetics and ergonomics. Natural stones are tough and beautiful, with vivid colors and features adding to the beauty of the modern kitchen.

Natural quartzite countertops are a great choice if you are planning to renovate your kitchen! Quartzite stones are highly durable and look fantastic with their calming colors and flow textures.

Simple hues for classy look

Compared to granites these stones have very less color variations such as white and grey, with black and brown tinges. But color … Read More

How to Speak With a Seller When Buying a House

Having a serious conversation with another human being is not necessarily easy, especially if you don’t already know the other person. This can be especially difficult if you’re used to working alone in a closed environment like an office or factory. And the ultimate difficulty comes when you’re not confident about your side of the conversation.

Which leads me to the question at hand: how do you speak with a seller when you’re trying to buy their house?

What’s the “pitch”?, I’ve been asked.

Let me start out by assuring you that you’re not trying to create a sales pitch, at all. In fact, this isn’t about selling anything – it’s really about creating a relationship. It’s about listening. It’s important that you talk honestly with the seller, not about yourself, but about them.

People buy from people they like. People sell to people they like.

Following are some negotiation … Read More

House Insurance Online Guide: 5 Mistakes You MUST Avoid When Buying Home Insurance

Home insurance is something that most people require. While it is very easy to search for house insurance online, it’s not as easy to actually select a policy. There are plenty of mistakes that people make when selecting coverage. Just one mistake can cost you dearly.

Since it’s probably one of – if not THE – most valuable asset you own, it’s essential that you buy the correct type of insurance for your house.

Here are some huge mistakes you’ll want to avoid when purchasing house insurance online:

Mistake #1: Underinsuring your home

Many people go with the lowest price thinking they will save money every month. They buy only enough insurance to cover the mortgage, or only insure the house for its real estate value, in the gamble that the house won’t burn to the ground or get flooded out.

But that shouldn’t be a gamble you take. What … Read More

A Basic Guide for Buying Bathroom Vanity Cabinets

A vanity is an often overlooked piece of bathroom furniture. It can not only increase storage in your bathroom but can add a stylish touch to your decor. You can not only hide any unsightly pipe work, but you can also incorporate drawers or cupboards for all those bathroom necessities. However, there is a massive choice of vanity cabinets available, so you may need a little help to choose the right option. Fortunately, here is a basic guide to buying vanity cabinets.

What Kinds of Bathrooms Are Suited to A Vanity?

Bathroom vanity cabinets are available in a wide range of styles and designs, which means that they can be used in bathrooms of all shapes and sizes. Even if you have a smaller bathroom, you can make use of the potentially dead space under the sink. You can fit a slimline unit that looks stylish and adds valuable storage … Read More

3 Tips For Buying Land and Building a House to Sell

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Selling your house with a realtor can get quite overwhelming and stressful. We hear you asking “how to sell a house fast” or “I need to sell my house fast Bronx, NY.” We buy houses for cash and take care of everything for you. You don’t need to waste a lot of time and energy listing your house with a realtor, only for the deal to fall through last minute. We specialize in quick house sales in The Bronx and surrounding areas and ensure that we buy your house in 14 days or … Read More