[redpoint5]

How many other places did you shop? Even if you're not shopping other places, I would tell them you are. Mortgage brokers are notorious for squeezing every dollar they can from you. Don't assume anything they tell you is set in stone, and certainly verify the paperwork matches what was discussed.

I'm telling you, they are like a pack of wolves. Mention another offer from somewhere else and all of a sudden you'll get a better offer from them. This is the #1 place to spend your time, because there is no other financial obligation you will make that has consequences as big as this. Coupons for pizza is nothing compared to this.

I'd never pay points simply because you can always refi, and you never know how long you will keep the mortgage.

Congrats on moving forward.