When making the largest purchase of your life, there are pitfalls to avoid and important items to keep in mind.  For one- there can be advantages of using a local bank over the big-name Internet lenders for your mortgage needs.  Also, what are points and why would anyone want to pay points? They can actually benefit you. Tune in to this episode of The Real Estate Roundtable with Jackie Ruddy, Century 21 Jack Ruddy Real Estate to get all the answers.