 TITLE: How to Buy Points on a VA Loan CONTENT: Building Credit Can Help You Maximize Savings\n---------------------------------------------\nBuying discount points on a VA loan can help drive down the cost of your monthly payment, but that comes at the cost of an upfront payment at closing. In addition to shopping around to find the best rate, it's important to make sure your credit history is in good shape before you apply for a mortgage.\nEstablishing an excellent credit score will give you access to lower interest rates because it shows that you're a responsible borrower and a low risk of default.\nCheck your credit score to see where you stand and review your credit report to get an idea of whether you need to address any issues. If your credit file needs some work, take the time to do it before you apply. This process can take time, but the savings can be in the thousands or even tens of thousands of dollars over the life of the loan. END