• Rates can change throughout the day: Mortgage rates move with the market, so what you see now may shift later.
• Rate vs. APR (what's the difference?) The interest rate is the cost of borrowing. APR includes certain fees, so it’s better for comparing programs.
• Discount points and break-even: Paying “points” can reduce your rate but adds upfront cost. We’ll help you see if and when it pays off.

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