buying 1st house. Have general question

APR is the interest rate express over the year full year 12 months where as rate is rate based on one month loan payment

Hi, the APR (annual percentage rate) is the cost of the loan...you only need to worry about the interest rate and do a 0 point deal.....with rates in the low 3's, there is no need to pay any points or crazy fees....just the normal closing costs and escrow accounts