# Mortgage Points Loan Basis Check

Calculate disclosed point costs from loan amount without assuming a fixed rate reduction.

## Scope
Preparation and review only. No account action or professional decision.

## Inputs
US loan amount,point percentage,quoted cash cost,lender/loan type and rate options.

## Workflow
1. Separate point count from percentage-point rate change.
2. Apply CFPB onepoint=1%loanamount arithmetic.
3. Keep rate reduction specific to actual lender offer.
4. Return quote questions,not mortgage selection or legal advice.

## Output contract
loan | points | cash_cost | rate_offer | rate_reduction_unproved | hold

## Fictional acceptance test
Fictional loan 200000 with 0.5 pointsimplies 1000 cost. It does not imply a 0.5 percentage-pointinterestcut. Missing offered rates prevents a savings calculation.

## Review gates
Keep original values, source IDs and version dates. Unknown facts stay held. Use qualified review for hiring, legal and accounting conclusions. No send, share, sign-in, scheduling, ledger change or payment. Fictional contract review is not a live account compatibility test.

## Method source
https://www.consumerfinance.gov/ask-cfpb/how-should-i-use-lender-credits-and-points-also-called-discount-points-en-136/

Checked October 15, 2026. Oct15 live AIS Search Console: marketing Copilot37 impressions, Planable/Claude45, Planable/ChatGPT24, campaignbrief12, investoragent19, MuseIndia115, cashflowforecasting13. Social calendar/reporting topics follow parent-query leads; other professions follow documented workflow needs, not measured exact intent. Site impressions are not monthly volumes; exact topic volume is unmeasured.