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Bࡡߟ9R"HF>.0 >.0 W ` ` qd9 Z6Times New Roman Regular +MW ` ` qd9 Z6Times New Roman Regular +MW ` ` qd9 Z6Times New Roman Regular +MW ` ` qd9 Z6Times New Roman Regular +MW ` ` qd9 Z6Times New Roman Regular +MW ` ` qd9 Z6Times New Roman Regular +M)?  @ZY 4 @ @ @ @ @ @ f" dddddd=2  I  .3  TitleofShow  H>.0 +3M .Uc%d9 Z6Times New Roman Regularc` ` `         @Q Qc%d9 Z6Times New Roman Regularc` ` `         @M TitleofShow+%'13 //!!+'13Y //OO+%3"J*2020W xxqd9 Z6Times New Roman Regular +O]O]3fW xxqd9 Z6Times New Roman Regular +O]O]3fW xxqd9 Z6Times New Roman Regular +O]O]3fW xxqd9 Z6Times New Roman Regular +O]O]3fW xxqd9 Z6Times New Roman Regular +O]O]3fW xxqd9 Z6Times New Roman Regular +O]O]3f)?  @ZY 4WPC% ~  2p@~@AAA2rƳ׳ݳq|"XXXX'33' >TxZiR R #WPC '  '2  I  .3  Interestratesand points( (2  I  .3  Whatisa point?..2  A  .3  1%oftheinitialfaceamountofthepromissorynote...2  A  .3  Thus,ona$100,000loan,one pointis$1,000...2  A  .3  Itsdeductedfromtheloanbalancewhentheloanisdisbursed...2  A  .3  Hence,ifone pointischargedona$100,000loan,thelenderactuallyadvancesonly$99,000.( (2  I  .3  Pointsare:..2  A  .3  Inadditiontovariousmiscellaneousloanfees....2  1  .3  Creditreport....2  1  .3  Applicationfee....2  1  .3  Appraisal....2  1  .3  Etc...2  A  .3  Nonrefundable,eveniftheloanispaidoffveryearly...2  A  .3  Theearliertheloanispaidoff,thegreatertheimpactthe pointshaveinincreasingthelendersyield.( (2  I  .3  Thetradeoffbetwen pointsandinterestrate:..2  A  .3  Themoretheborroweriswillingtopayin points,thelowertheinterestratethelenderwilloffer...2  A  .3  Sotheborrowercan buydowntheinterestratebypayingmorepoints...2  A  .3  Mostlendersofferavarietyofplans,somewithmoreandsomewithfewer(orno)points.") "2  I  .3  (  (2  I  .3  Shouldyoubewillingtopaymorepoints?..2  A  .3  Howlongwillyouprobablyhavetheloan?....2  1  .3  Ifonlyashorttime(2-3years),yourebetterofftoavoidpointsandpayahigherinterestrate.....2  1  .3  Ifalongtime(10yearsormore),yourebetteroffpayingmorepointsandreducingyourinterestrate.(Youllbepayingthatratealongtime.)....2  1  .3  The break-eventermisprobablyabout7years. 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ZY 4O]O]O]O]O]O]O]O] @O] @O] @O] @O] @O] @O] f" dddddd$   o</"-.*+%'1O]53 i'&.F c&d9 Z6Times New Roman Regularc        @O]a /!!!!!!aQ, r*AZ$Tahoma RegularQ@@@        @        @O]  /  Q, r*AZ$Tahoma RegularQ@@@        @0M..1%oftheinitialfaceamountofthepromissorynote.fQ, r*AZ$Tahoma RegularQ@@@        @O]  /  Q, r*AZ$Tahoma RegularQ@@@        @0M..Thus,ona$100,000loan,one pointis$1,000.fQ, r*AZ$Tahoma RegularQ@@@        @O]  /  Q, r*AZ$Tahoma RegularQ@@@        @0M..Itsdeductedfromtheloanbalancewhentheloanisdisbursed.fQ, r*AZ$Tahoma RegularQ@@@        @O]  /  Q, r*AZ$Tahoma RegularQ@@@        @0M..Hence,ifone pointischargedona$100,000loan,thelenderactuallyadvancesonly$99,000..%'13 jy/y/.+'13Y kq//qWPCaXX81%XX81%;3'XXXXKKKK9"42-P?/#>R?/#E , r*AZ$Tahoma Regular +ME , r*AZ$Tahoma Regular +ME , r*AZ$Tahoma Regular +ME , r*AZ$Tahoma Regular +ME , r*AZ$Tahoma Regular +ME , r*AZ$Tahoma Regular +M)?  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