Buying the points

[Kapu Mamiya]

I'm comparing several different loans and hope for some savvy input. Constants: home cost 185k, credit score excellent, 30 year term. Lender A is offering two options. interest rate is 4.375, lender costs waved (1045 in savings). I can buy down the rate at a cost to 3.875 ( lender costs waived too) with a cost of 3700. Break even is 40 months and a difference of 90 month on the mortgage payment. Total to closing is 48k Lender B. Only 1 option. 4.5%. Rate. Total to close is 46,000. Question. Would you take the higher interest rate so on the backend you have a greater tax write off on the mortgage? I thought getting a home under contract was difficult but I was wrong. TIA wise BPers.