During the course of buying the farm an interesting question came up about “buying points”. This was our first mortgage so I was pretty curious about everything going on with the banks and inspectors and such. Our lender casually mentioned the option of buying points and then quickly dismissed it as something that no one ever does. In fact, she had only seen it done once. When she said that I got even more interested. I know not all beginning (or existing) farmers will be able to buy land, but for those who do I thought this topic would be helpful. There's not much good info about the trade-offs between buying points and putting down a larger down payment online, so this is just my own analysis, I'm very welcome to other opinions.