No, that's not normal, and it's a quote we'd push back on hard. When a refinance stacks large closing costs on top of thousands of dollars in points, the total cost can balloon into the tens of thousands, and every dollar of it has to be earned back out of your monthly savings before you've gained anything. Ask for the break-even: how many months would you need to keep this loan to recoup the cost? If the loan officer can't or won't show that math clearly, walk. This pattern often comes from large call-center lenders whose rates look attractive on the surface because you're paying dearly for them up front. We lean against paying points, period. Points should be an informed choice, never a mandatory line item, and a quote that opens with points already baked in is a red flag. Ask for the zero-point version of the same loan so you can see the honest baseline. If you still want the buydown comparison, that's something some people want to see, and we'll run it for you. Before you sign anything, get a second quote, and read the Loan Estimate carefully: box D, total loan costs, is where the true cost of the loan lives. If you'd like a straight second look at those numbers, that's exactly what the free Roadmap conversation is for.