Should I pay points on a VA loan?
It depends on the hold period. Points only help if the monthly P&I savings recover the upfront cost before you sell or refinance. On VA, the funding fee already adds to the upfront cost — adding points stacks more cash up front for a lower rate.
What this actually means.
Points math on VA: pay roughly 1% of the loan amount upfront for each point; expect roughly 0.25% rate reduction (varies by day and lender). Break-even is the upfront cost divided by the monthly P&I savings. If you'll keep the loan past the break-even, points pay off; if you may sell or refinance sooner, lender credits or no-points pricing usually win. Subject to lender pricing.
Where this can move.
Credit score, loan amount, LTV, points, lender credits, lock timing, and market movement can change the rate quoted. The funding fee adds to APR.
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More VA questions on Rates.
Educational only. VA guidelines, lender overlays, rates, fees, and underwriting requirements can change. Final eligibility depends on full underwriting review. Mortgage Expert, Inc. is not affiliated with the VA, HUD, or any government agency.