# Points and credits comparison grid

**Mortgage Dorks Season 1**
**Course:** The Glossary - Learn the Language
**Lesson:** Points, Credits, and APR
**Format:** Grid

## Use This For

Explain cost-versus-rate tradeoffs without sloppy fee or APR language.

## Artifact Contents

- Option label.
- Upfront cost or credit.
- Monthly payment difference.
- Estimated time horizon.
- Disclosure or program limit to confirm.

## How To Use It

- Build a synthetic two-option comparison and write the borrower-safe explanation.

## Guardrail

Education and workflow support only. Not underwriting approval, legal advice, tax advice, financial advice, a rate quote, or a promise of eligibility. Follow employer, investor, agency, state, and federal requirements.