Another good site to answer some questions you may have.
http://www.mtgprofessor.com/mistakes_to_avoid.htm
also look here
http://www.consumers-info.org/mortgage/
Good info on "Points"
http://www.mtgprofessor.com/A - Points/why_pay_points.htm
good calculator on breakeven points for buying down your rate
http://www.decisionaide.com/mpcalculators/FRMBreakEvenCalculator/FRMBreakEven.asp
http://www.mtgprofessor.com/mistakes_to_avoid.htm
also look here
http://www.consumers-info.org/mortgage/
Good info on "Points"
http://www.mtgprofessor.com/A - Points/why_pay_points.htm
good calculator on breakeven points for buying down your rate
http://www.decisionaide.com/mpcalculators/FRMBreakEvenCalculator/FRMBreakEven.asp