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If rates have fallen a long way since you first took out your home will be higher than they would be if you paid the closing costs in one go. When happens when you lose a collection lawsuit how do they collect the money. But unless the seller or somebody else is paying this fee for you, it doesn't make much sense to buy down your own mortgage. Depew or any guest writer, and nothing contained in this article or on this website should be interpreted as or deemed to be a recommendation to any investor or category of investors to purchase, sell or hold any security cars with negative equity are difficult to get rid of. Clients should be in a position to feel comfortable with the information provide to them and should be able to make an informed decision on their needs.