re: Mortgage Lender advice(BR area)

I should clarify that my goal is to pay this loan off in under 7 years. I don’t really care who provides it the loan. I guess I just don’t understand the points system. Quicken came back with: “ The lowest amount of points that the law allows us to charge is 3.00 points with a 5.375% interest rate.”


Is it too much to ask what their rate is and what the fees(broken down in an email) are up front? Neither seem to want to give that.