• The Seller is willing to pay them
• Your company will pay them (relocation packages)
• You plan on keeping the property more than about 7 years
• You need the lowest rate for qualifying purposes

• You need all the cash you have to pay off bills to qualify
• You're short on cash reserves or cash to close
• You don't intend on keeping the property for more than about 7 years
• You think you might refinance within the next 7 years

While this is an important decision to make, if you have not locked an interest rate you can always change your mind later on, when your loan is in processing. Just let us know in plenty of time so we can make the appropriate changes to your application.