Points & credits
YS RateSaver™
The tool serious investors say YES to.
Set your loan and a "free" (par) rate, then compare rate options where you either pay points to buy the rate down or take a lender credit. We show the monthly payment, the up-front cost, and exactly how long it takes to break even.
Rate buy-down
Lender credit
Estimates only
Fill the input fields — the comparison updates automatically.
1 Loan & free rate
BaselineThe "free rate" is the par rate with no points and no credit — the baseline every option is measured against.
$
%
2 Rate options
Up to 4Points are a % of the loan. Positive = you pay to buy the rate down · negative = lender credit. Leave a row's rate blank to skip it.
Option 1Buy the rate down
%
%
Option 2Buy the rate down further
%
%
Option 3Take a lender credit
%
%
Option 4Optional — leave blank to skip
%
%
Option comparison
Best value highlighted| Option | Rate | Cost | Payment | Saves/mo | Break-even |
|---|