Straight talk on mortgages from a loan officer who's done it for 10+ years.
You just got pre-approved. A few days later, an email shows up with a PDF attached: your Loan Estimate. Three pages, a wall of numbers, and about ninety seconds before most people's eyes glaze over.
If you've received a mortgage quote recently, there's a good chance your lender offered you a lower interest rate in exchange for paying "points" upfront. It sounds like a good deal — who wouldn't want a lower rate? But whether paying points actually saves you money depends entirely on how long you stay in the home and how you look at the math.
Talk to Nate directly — no forms, no call centers, no runaround.