How am I paid? I’m make one percent of the loan amount. The fee is known by many names: discount point, origination fee, origination charge, and more. Ultimately, it is the fee charged for my compensation, and clients can choose to pay it in a two ways… As part of closing costs or taking a higher rate. I ask clients how long they plan to stay so I can calculate variables for them. Robert wanted to lower his payment. Since he had enough for a down payment and closing costs, it was an easy decision to pay the 1 point fee to keep the rate lower. This allows Robert to say "yes" when his kids ask to go to McDonalds. I’m effective helping people understand their options. You see your neighbor sprucing up their home with new landscaping. His wife wants to be moved by Haverty's and not a moving company. When is the last time they bought new furniture.