Assuming all APRs equal, the effective interest rate on a loan is highest when:
Points are charged and the loan has a 30 year maturity but prepaid in five years
The loan has no points and a 30 year maturity and is prepaid in five years
Points are charged and the loan is paid off at maturity in 30 years
The loan has no points and is prepaid at maturity

Points are charged and the loan has a 30 year maturity but prepaid in five years

Explanation:

When you purchase points to lower your monthly mortgage payments, the bank (or lender) sell them calculating a 30 year payment schedule. If you pay the loan in a shorter period, it means that the points were sold at a very high price o you actually end up paying higher effective interest rate. That without even considering any possible prepayment penalties. But sometimes knowing that your mortgage is paid lowers your stress and it may be worth it from a personal (not financial) point of view.

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