When shopping for a mortgage, it’s easy to focus on one thing: getting the lowest mortgage interest rate possible. But a lower rate isn’t always the best deal. When you compare mortgage rates in Texas, you may have the option to pay additional money upfront—often called discount points or a rate buydown—in exchange for a lower interest rate and monthly mortgage payment. The question is: Should you pay to buy down your mortgage rate? The answer depends on how much the lower ra