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Real Estate
Reply to "Refinancing to conventional loan (30y fixed) - charging us $3500/ 1 point "
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[quote=Anonymous]You can pay points for a lower rate, or not pay points and your rate will be slightly higher. Remember points are tax deductible...shop for rates on bankrate and see if your CU will match a bricks and mortar lender. If not, take your business elsewhere. For us, our credit union was always about 1/8 of 1% higher than others, I think that is typical. Usually CUs are better about closing costs though.[/quote]
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