@Ruben Reed Ask your lender what will be interest rate without points. Compare the both rates and see how much time you taking to recover the points. If you are recovering your money in certain period where you want to be its worth paying if not don't pay take higher interest rate. But this is not scenario always work --sometime your LO has to keep the lower interest to keep you qualified because of your DTI so all factors plays in mortgage. Ask your LO he/she will explain you and you take your decision.