Discount points can pay off in the long run with your VA loan. The more points you buy up front, the more you'll lower your monthly payment and reduce your total interest. If you're able to buy more points, it may be a smart move. Technically, there are no VA max discount points for such loans. However, the exact number of points you can buy is ultimately up to the lender handling your VA loan. Most lenders won't allow you to buy more than 4 points. If you're refinancing with a VA Interest Rate Reduction Refinance Loan (IRRRL), you can't roll more than 2 points into your loan.