Origination News says under a new home-buyers incentive program by Fifth Third Mortgage Co. of Cincinnati, Ohio, borrowers can have a reduced rate on their purchase money mortgage.  They can choose to have their basis points lowered by 12.5 basis points over the life of the loan, or by 100 basis points for the first year of the mortgage.  This is available on fixed-rate mortgages only, and does not include all loans.  If the monthly payment is automatically withdrawn from a Fifth Third account, the borrower can save an additional .05 percent discount point savings, estimated by the bank to be $750.