Discount Points - RealtyWire

Market Datavs. 1 year ago

30-year mortgage6.55%▼ -0.20 pts15-year mortgage5.93%▲ +0.01 pts10-year Treasury4.60%▲ +0.22 ptsMortgage spread1.95 pts▼ -0.42 ptsMedian list price$430k▼ -2.5%List $/sqft$228▼ -2.1%Days on market53 +0 daysActive listings1.1M▲ +1.9%New listings463k▲ +2.4%Pending sales506k▲ +4.9%Housing starts1.43M▲ +3.5%Building permits1.37M▼ -2.3%New-home sales580k▼ -6.8%Existing-home sales4.09M▲ +2.8%Months of supply10.3▲ +0.6 moMortgage delinquency1.89%▲ +0.12 pts

as of Jul 2026

Mortgage Points Explained: When Buying Down the Rate Makes Sense

July 16, 2026July 1, 2026

Mortgage points concept with house model, loan papers, calculator, and rate shapes.

Mortgage points can lower your interest rate, but they only make sense if the upfront cost is worth the monthly savings.

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