All,
I posted earlier about buying down rates. I received a breakdown of my loan and would welcome your thoughts on if there is anything I should contest or negotiate. I am a first time home buyer, and all this is new to me. I really appreciate any help you can provide.
**The second page can be found in the comments **

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That’s insane monthly payment for this house (no offense)

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North East

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Is this your primary home or you looking to rent out the property? How much can you rent it for? What’s the cash on cash looking like?

This is my primary home

What are you getting for all those points? I’ve never paid points in a loan. You are basically betting that rates won’t fall.

And if rates drop significantly just refinance in the future. Save the cash now, it’s your first home you might want to have that nest egg just in case.

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