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Buy Down Points Mortgage Official

: Paying off the mortgage early (e.g., through aggressive extra payments) reduces the total interest you would have saved, making the initial points less valuable.

Example : Paying $4,000 to save $100/month means your break-even point is (3.3 years). Comparison Table (Sample $500,000 Loan) Interest Rate Upfront Fee Monthly Payment Monthly Savings Break-Even Time ~60 months ~60 months Data based on estimates from PenFed Credit Union . What Are Mortgage Points And How Do They Work? - Bankrate buy down points mortgage

: Using your last bit of cash for points instead of keeping it as an emergency fund can be risky. How to Calculate the Break-Even Point : Paying off the mortgage early (e

To determine if a buy-down is right for you, follow these steps: : Calculate 1% of your loan amount per point. What Are Mortgage Points And How Do They Work

Why Choose Windshield Surgeons for Your Windshield Repair?

  • Experienced Repair Specialists: Our team is highly practiced in auto glass crack repair, from small chips to complex cracks.
  • Affordable Pricing: We pride ourselves on providing great service at a fair price.
  • Convenient Locations: With service centers in Edmonton, Red Deer, Calgary, and Sherwood Park, we’re always nearby. See our repair locations here.
  • Best Warranty in the Industry: We stand behind our work with a 3-option lifetime warranty on windshield repairs.
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WINDSHIELD REPAIR

Before & After

Close-up of a small windshield rock chip buy down points mortgage

Windshield Before Repair

Here you can see an example of a typical rock chip before repair.

windshield with repaired chip

Windshield After Repair

Here you can see the example rock chip after it was repaired.

IMPORTANT: Each repair is different. The primary purpose of a windshield repair is to prevent the damage from spreading. Some repairs visually improve more than others.

How to Know If Your Windshield is Repairable

Not all chips and cracks are repairable. Here are a few factors that must be considered:

  • Size: Chips smaller than a Toonie or cracks under 8 inches are usually repairable.
  • Location: Damage in front of sensors, cameras or other equipment may not be repairable.
  • Depth: If you can feel the damage on the inside of the windshield, it has penetrated both layers of the glass and a replacement is necessary. 

When in doubt, bring your vehicle to us for a free inspection.

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Comparison of various types of damage in windshields and whether they can be repaired or if the windshield must be replaced. Side by side view of samples of drawn windshields with damage

Frequently Asked Questions About Windshield Repair

buy down points mortgage

Will the repair make the damage invisible?

While most repairs considerably improve clarity, the damage will still be visible. The primary goal is to restore strength and prevent further damage. Visual improvement is a secondary benefit.

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Is windshield repair covered by insurance?

Some insurance plans cover windshield repair, often with no deductible. Read more about Auto Glass Insurance Claims here and feel free to contact your provider to confirm what is available to you.

A simple icon of a vehicle. Soft coloration and representative of vehicles that visit Windshield Surgeons Auto Glass shops

Can I repair my windshield myself?

DIY kits exist, but it is an absolute myth that they work well. Kits you can buy online are not likely to contain a quality repair resin AND they cannot adequately vacuum out air and apply injection pressure to ensure the chip or crack is completely filled.

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Will water, frost, or sunlight ruin my repair if I leave quickly?

No! When you leave the repair has already been fully cured and is solid. In fact, if the sun does do anything, it will cure it even harder since windshield repair resin is UV activated.

OUR REVIEWS

Testimonials from Our Customers

At Windshield Surgeons, customer satisfaction is at the heart of everything we do. We are family owned and dedicated to providing the best auto glass services in Alberta

Comparing Windshield Repair vs. Replacement

Choosing repair over replacement offers several advantages:

  • Cost Savings: Repairs are far more affordable than full replacements.
  • Time Efficiency: Repairs take less than an hour, compared to the 1+ hour needed for a windshield replacement.
  • Eco-Friendly: Repairing your windshield reduces glass waste.
  • The Con: The only negative of a repair vs. a replacement is that you will still be able to see the damage when it’s done. It shouldn’t spread but you will see it.
Close-up of a UV curing tool used in Windshield Repair

Schedule Your Windshield Repair Today

Don’t let a small chip turn into a big problem! Visit Windshield Surgeons Auto Glass for professional windshield repair. Call 1-800-909-9923 or get a fast quote online now

We’re here to help you drive safely and confidently!

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