MORTGAGE TOOLS
Points Calculator
Compare paying discount points for a lower rate against your break-even point.
AlexTheMortgageGuy.com Points Buydown Calculator
Discounted Break-even
Illustrative comparison only. Rates, points, and alternative returns shown are editable assumptions, not quotes or promised returns. Points do not buy a fixed rate reduction. Compare lender Loan Estimates for the same loan, date, and lock period. This simplified break-even estimate does not account for every tax effect, future refinance, sale, or investment outcome.
GET EXACT NUMBERS
Turn your estimate into a real plan
Calculators are a great starting point, but your rate, mortgage insurance, taxes and insurance depend on your situation. Alex will run personalized numbers across 300+ lenders.
- Personalized payment and cash-to-close estimate
- Side-by-side program comparison
- No obligation — does not affect your credit
By submitting, you agree to be contacted by phone, text or email about your inquiry. Message and data rates may apply; reply STOP to opt out of texts. Consent is not a condition of any loan. This is not a loan application — please do not include Social Security numbers, account numbers or financial documents. See our Privacy Policy.
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Affordability CalculatorAmortization CalculatorConventional Loan CalculatorFHA Loan CalculatorIncome Qualification CalculatorIncome Tax Benefits CalculatorRefinance CalculatorMy Home ValueLoan Programs
Calculator results are estimates for illustration only and are not a loan offer, pre-approval or commitment to lend. Not a commitment to lend. Not all applicants qualify. Programs, rates, terms and availability may change without notice. All loans are subject to credit, income, asset and property approval. H. Alex El-Ali, NMLS #1513750, FL LO125697 | NEXA Mortgage, LLC, NMLS #1660690. Equal Housing Lender.