Yes and no. The answer is yes if you’re shopping several different lenders, because discount points tied to a mortgage rate vary from lender to lender based on how they set their pricing. The answer is typically no if you want to negotiate how much a point costs at a specific lender. However, you’ll typically pay less points if:
You have a credit score above 740
You make more than a 3% down payment on a conventional mortgage
You finance a primary residence single-family home