Hello friends, and thanks for joining me this week.

My name is Laura Adams, and I'm a personal finance expert and author who's been hosting

the Money Girl podcast since 2008.

The mission here, it's pretty simple, it's to help you get the knowledge and motivation

to prioritize your finances, build lots of wealth, and have more security and less stress.

I create every show, sort of like a mini-training, it's designed to help you come away with practical

advice and tips that will help you make better money decisions and take your financial wellness

to the next level.

Today's show was inspired by James R. Who Says, I'm in the process of getting pre-approved

for a mortgage to buy my first home, and I see options that include points.

Write our points, and how can I know if paying for them will help me?

James, thank you so much for sending in this question.

It's actually been a while since I've podcasted about points, so I'm glad to revisit it.

I would tell anybody listening to the show that if you are interested in buying a home,

or maybe you just want to understand the pros and cons of mortgage points, maybe you've

got a mortgage that you want to refinance.

You don't want to miss this episode.

No matter if you're in the market to buy a home, or you're just considering if a mortgage

refinance can help you lock in a lower rate, stay with me.

I'm going to cover everything you need to know to choose the best home loan or refinance

for your situation, and I'm also going to answer a couple of additional listener questions

at the end of the show, so stay with me for those.

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