Nov. 3, 2005 - Mortgage Trends

As interest rates drift higher, borrowers may once again opt to pay points in
order to lower their rate or ultimately qualify for a loan. In recent months,
lenders had been pushing zero-point loans because rates were already at
historic lows.

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http://www.planetrealtor.com/florida/news/daily/news.cfm?article=n5-11032005