- / 10 View Policies Current Attempt in Progress Barbara is working with her mortgage lender on the terms of her new $ 140000 30-year, fixed-rate mortgage. The lender offers a rate of 4,5% APR with no points (monthly payment $ 546) and 4.25% with one point (monthly payment $ 534). If Barbara plans to live in the house for 5 years, does it make sense for her to pay the point? Yes, 6 months is breakeven. O No, 10 years is breakeven. O No, 11.7 years is breakeven. Yes, 12 months is breakeven