"Points" are an upfront cost (added to closing costs) typically used to "buy down" the interest rate or secure underwriting exceptions.  When used correctly, points can help buyers increase their buying power and lower monthly payments.  As sellers, you can use "seller credits" to offset rate movements and increase your net proceeds.  On this episode, I share a presentation, at a local real estate office, on how points can be a valuable tool in the real estate toolbox for savvy buyers, sellers, realtors, and lenders.