Yes. A point generally buys more rate reduction on a 15-year fixed than on a 30-year, often close to double. The reason is how the lender's money comes back. On a shorter term the principal repays faster, so the lender takes on less duration risk and can pass more of that certainty back to you per point. As a rough illustration: on a 30-year fixed, one point (1% of the loan amount) tends to buy about a quarter percent off the rate, while on a 15-year the same point can buy closer to a half percent. Those are ballpark ratios that move with the market, so always check what the buydown actually costs and delivers on your specific quote. Cheaper per point does not change our lean, though: we lean against paying points as a default, and the zero-point quote is the honest baseline on either term. A point is an upfront, sunk cost you recoup only through monthly savings, the break-even usually runs several years out, and refinancing or selling before then means the money stops paying you back. A 15-year's shorter payoff is part of why the economics can look more favorable there, but the question that decides it is the same: how long will you keep this exact loan? Also remember the 15-year already starts at a meaningfully lower rate before anyone spends a dollar on points. The clean way to settle it is a side-by-side of both terms, with and without the buydown. That comparison is something some people want to see, and we will run it for you on the free Roadmap conversation.