Some personal loan lenders allow for the origination fee to be deducted from your loan amount.
One discount point will generally cost you 1% of your total amount. So for a $200,000 mortgage loan, one discount point would raise your origination fee by $2,000 . And two discount points would raise your origination fee by $4,000 . For example, let's say you paid $2,000 for a discount point and your lower APR will save you $50 per month on your mortgage. In that case, it will take you 40 months to break even on the decision .
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