Cargos financieros a cargo del prestatario, además de los intereses mensuales; cada punto equivale al uno por ciento del importe del préstamo. For EECU 5-Year-Call and 15-Year Fixed Rate products the credit union’s loan pricing may occasionally provide you an option  to buy down the rate .25% for 1.0 point or .50% for 2.0 points at the time the loan funds.  For purchases, this amount is included in your closing costs to be paid at closing.  For refinances, this amount can be deducted from loan proceeds provided the final loan amount stays within the loan-to-value guidelines or limitations of the product.