It's only natural. After all, the mortgage rate represents the single most expensive part of buying a house. Over a 30-year period, you'll probably pay more in interest than you will for the house itself. But the truth is that you can have practically any rate you want. Sure, we can do that, too.
Points represent a one-time fee paid to the lender.
The more points you agree to pay at closing, the lower the interest rate. In other words, points are the price borrowers pay for a lower mortgage rate. For some of us, though, this is basically an academic exercise. Many buyers, especially rookies, don't have a lot of extra cash lying around. As a result, they want to cut their closing costs, not increase them.