The days of watching a house sell in a nanosecond are way, way, gone.
Today even a house in first rate condition can take a while to
sell.  It means we are in a Normal real estate market.  It
allows prospective buyers the luxury to look at a prospective house
many times and at many different time of the [...]

The question of what points are and whether to pay them is one that needs further explanation.  What
are they?  They are additional upfront fees that you pay the lender for the opportunity to reduce your loan’s interest rate over the life of the loan.

The fee for one point is equal to 1% of the [...]