Denver Home Loan Pay Points Interest Rates Calculator. The question "Should I Pay Points to Lower My Interest Rate?" is best answered with a good mortgage points calculator. Having the ability to compare what your payment will be and how much you will save by paying mortgage points and not paying points is a great financial tool. By not paying points you will generally be paying more in interest over the life of your mortgage loan. The Denver Home Loan Pay Points Interest Rates Calculator can do it. You'll find this Calculator extremely useful. Although designed for Colorado, it will work for any state in the USA. The Calculator will provide you with a useful Financial Analysis PDF printout that you can Print or Save to your computer.