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How the industry works★ Latest

How the industry works

Discount Points: When Buying Down Your Rate Is a Total Waste of Money

Lenders often hide discount points in your closing costs to advertise ultra-low rates. Here is the exact break-even math to see if buying down your rate is worth it.

Jul 24, 2026 · 6 min read

How the industry works

Trigger leads, explained: why your phone rings after asking one lender for a rate

The instant a lender pulls your credit for a mortgage, the bureaus can sell your name to competitors. Here is how it works and how to avoid it.

Jul 23, 2026 · 1 min read

How the industry works

How to read the Freddie Mac weekly rate (and what it does not tell you)

The PMMS is the number news outlets quote. Here is what it measures, why your quote can differ, and how we use it.

Jul 23, 2026 · 1 min read