When homeowners start their search for refinancing rates, the one item that seems to be of major concern is how many points are included the interest rate that they are being quoted.  For this reason, it is important to learn the distinction between the two different types of points that can be charged as lender fees on a refinance home loan mortgage.  The first type is called an origination point, and these points are essentially what the refinancing lender is charging for the loan.  One origination point equals one percent of the total home mortgage amount.  The second type is termed a discount point, which borrowers use to buy down their refinancing rates to that which is lower than the par or even mortgage rate.