Based on the information provided, it appears that you are asking about a mortgage loan of $500,000 with an APR (annual percentage rate) of 4.4%. The loan also has 2 points, which typically represent 2% of the loan amount and are paid upfront at closing. However, there is a 0.125% discount, which could potentially lower the overall cost of the loan.
To get a better understanding of the total cost of the loan, it would be important to know the term (length) of the loan, any additional fees, and whether the interest rate is fixed or adjustable. It would also be helpful to compare this loan offer to others from different lenders to ensure you are getting the best deal possible.