Selecting the Right Mortgage

US Patent 8478670

Newly Patented Method for Selecting the Right Mortgage. How to select the right mortgage from the dizzying array of choices available? Should you pay points to lower your rate? Or is the zero points deal the best?
APRPlus incorporates the value of your option to refinance and reports an option-adjusted annual percentage rate. The lowest APRPlus wins. See “A Pointer on Points”.