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Shopping For Best Mortgage Rates A note about mortgage points: One way to get the best mortgage rates is to pay "points," or upfront interest paid to the bank that secures a lower long-term interest rate on your home loan. One point generally costs 1% of the total loan amount, so paying 1 point on a $200,000 mortgage would add $2,000 in upfront costs.
Use our free mortgage calculator to estimate your monthly mortgage payment, including your principal and interest, PMI, taxes, and insurance. See how your monthly payment changes by making updates.