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19. You are buying a house and the mortgage company offers to let you pay a point (1% of the total amount of the loan)

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19. You are buying a house and the mortgage company offers to let you pay a "point" (1\% of the total amount of the loan) to reduce your APR from 6.5% to 6.25% on your $400,000,30-year mortgage with monthly payments. If you plan to be in the house for at least five years, should you do it

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