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Old 04-04-2019, 09:20 AM   #11
TexasChick
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Join Date: Mar 2016
Location: Texas
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Quote:
Originally Posted by pdude81 View Post
At this point, just going back to $188 without incentives would be a huge price hike.
Great point!

We bought in for effectively $170pp. I know if we had purchased just 25 more points, it would've come down even more, but some of that savings would've been eaten up by closing costs of a 4th contract. The discussion we had was 3 contracts at 50, 50, and 75 points versus 4 contracts with 50 points per contract. We paid $1,125 in closing costs versus paying $1,356 for 4 contracts. This means we would've saved an addition $819 versus $1050 because I would've backed out the addition $231 we paid in extra closing costs. The points would've cost just over $168pp. It's not a huge difference when you consider I am comparing it to $167pp if we didn't split up the contracts. My point is that some of that extra savings between 175 points and 200 points would've been eaten up by closing costs on an additional contract in addition to the extra ~$3900 we would've had to pay for 200 points versus 175 points which is no small amount of money. So for us, 175 was the breaking point. Early morning math. Isn't it fun?!?
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