Conventional Loan: Higher points or lower?

[Polo Vazquez]

Hello Biggerpockets!!

Just wondering what you all prefer when getting a conventional loan. Would you all go for the higher points options and pay more up front but get a lower interest rate or would you go for no points and higher interest rate? Or maybe you look for a happy medium.

In my case I'm looking at a 100K loan.

30 Year Fixed Rate

Rate	APR	Points	Payment	Details	Select
4.250%	4.543%	0.750%	$393.55	View	Select
4.375%	4.615%	0.125%	$399.43	View	Select
4.500%	4.730%	0.000%	$405.35	View	Select

Thank you for your input!