10/29/2026
When you look online, lenders love flashing eye-catching, ultra-low interest rates. But have you ever looked closely at the fee sheet before signing?
Many lenders bake in steep "origination fees" right out of the gate or convince you to buy thousands of dollars in discount points without explaining the math.
If you sell your home or refinance within 3 to 5 years (which most homeowners do), that upfront cash you paid to "buy down" the rate is money you will never see again. It's essentially thrown away.
Savvy buyers calculate their exact Break-Even Horizon before ever handing over cash at closing.
I broke down how to spot these hidden tricks in Hack #2 of my free 14-page playbook, MORTGAGE UNLOCKED.
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