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I'm researching mortgages for the first time too - what do you mean by this statement? Can you please explain further? Thank you.
"...They said most people refinance frequently, and that not one of them had a mortgage over 7 years old, and most were under 5 years - so a point buy down, especially with today's low interest rates (different story when rates were 7%+ and a point buy down was worth more %). "