[Aakash]

crediting points? Hi, I was shopping for the mortgage and I came across a loan officer who sends me the rate sheet every day and also ready to give .625 points as credit towards closing costs. For example, from his rate sheet yesterday the rate for 30 year fixed was "4.875 with .125 points", so he says my rate will be 4.875 and he will give me credit for .5 points on the loan amount. Can we actually believe these rate sheets and is this a good deal? Thanks in advance for your help.