When you do the math 30 years at one point over prime is a lot more costly than 30 years at prime. Analysis of mortgage interest rates is just one of the services Buyer’s Agent offers its buyers. Calculating the cost of your mortgage over its term as well as computing the savings you might achieve by paying bi-monthly mortgage payments are just a few of the services an Buyer’s Agent offers. Buyer’s Agent acts as your representative and you can count on them to disclose all the monetary details of a proposed purchase before you get committed to a purchase, not after you risk losing a deposit or paying for an appraisal that won’t be used. Buyer’s Agent will also explain the nuances of various mortgages including arms, points and ratios.