Are Mortgage Points a Scam? What Most Lenders Won’t Tell You - LE Pod Ep. 139

Are mortgage points worth it? This week on Loans Elevated, we break down the truth behind discount points, origination fees, and temporary rate buydowns—why most buyers are misled, and how to make the smartest decision for your situation.

🚫 Permanent buydowns? Usually not worth it.
🟢 Temporary buydowns? Game-changing... if structured correctly.
⚠️ Origination fees? Big red flag (unless it’s a rare exception).

We also introduce our free Strategic Mortgage Audit—your no-cost second opinion to make sure you’re not leaving thousands on the table. Upload your quote here:

👉 https://www.loanselevated.com/mortgag...

00:00 Intro
02:59 What Are Mortgage Points?
06:22 The Hidden Cost of Paying Points
13:42 Origination Fees: Red Flag?
17:29 Should You Ever Pay Points?

#mortgagepoints #homebuyingtips #realestateadvice #mortgagerates #financialfreedom #mortgagetips #temporarybuydown #refinanceoptions #homeownership #LoansElevated #mortgageaudit

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Welcome to the Loans Elevated podcast and YouTube channel, where we dive into the latest real estate and mortgage trends to help you navigate the home financing journey. From expert tips on securing a mortgage to market insights, we provide valuable information that empowers homebuyers and real estate professionals alike.

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Meet the Team:
Broch Lassig, Branch Manager NMLS340314
TJ Heidenreich, Sales Manager NMLS1802412
Ryan King, Loan Officer NMLS 1870771
Branch NMLS 2048956

Important Disclaimers:
Equal Housing Opportunity. All loans subject to underwriting approval. Certain restrictions apply. Call for details.
CrossCountry Mortgage, LLC. NMLS3029 (www.nmlsconsumeraccess.org)

Disclaimer:
The information provided in this video is for educational purposes only and is not intended to be a substitute for professional financial advice. We are not practicing tax accountants, licensed attorneys, or financial advisors. Please consult with a qualified professional before making any financial decisions.