Equity Capital Market

Mortgage Points Explained: Discount Points, Math & Tax Rules

September 29, 2026 by Bruno M.

$AI-generated editorial image: An architectural blueprints drafting table with a neat loan contract folder, wooden ruler, and brass compass beside a sunlit window.$

Learn how mortgage discount points work, calculate your exact break-even timeline, and understand IRS and CFPB rules before buying down your rate.