Sure you can buy your rate down, but does that actually benefit you the most? What about eliminating some debt on something with a high rate of interest or a high balance? What about mortgage insurance? Do you need it or can you buy your way out of that with the money you would have used to buy your points down? There are so many factors to consider and no one right answer. PLEASE listen to this episode to have a better list of options before you make that decision.