Can I buy points on FHA?
Yes. Discount points reduce the note rate in exchange for an upfront cost. Typical: each 1 point = 1% of the loan, paid at closing.
What this actually means.
Points only help if you keep the loan long enough for the monthly P&I savings to recover the upfront cost — that's the break-even point. If you may sell or refinance sooner, a balanced or lender-credit option may fit better.
Where this can move.
Credit score, loan amount, LTV, points, lender credits, lock timing, and market movement can change the rate quoted.
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More FHA questions on Rates.
Educational only. FHA guidelines, lender overlays, rates, fees, and underwriting requirements can change. Final eligibility depends on full underwriting review. Mortgage Expert, Inc. is not affiliated with HUD, FHA, or any government agency.