🏡📉 Discount Points — Pay Less Interest Over Time • Optional upfront cost paid at closing • Lowers your interest rate • Reduces monthly mortgage payment • Best for long-term homeowners • Break-even timing matters Discount points aren’t a trick — they’re a math decision. At The Onyx Group Mortgage, we calculate whether points make sense based on how long you plan to keep the loan. 📲 Apply now: https://onyxgroupmortgage.com/loan-application 📞 Call/Text: (949) 396-1204 🎯 Free Consultation: http