A homeowner can obtain a $250,000, 30-year fixed-rate mortgage at a rate of 6.0 percent with zero points or at a rate of 5.5 percent with 2.5 points.If you will keep the mortgage for 30 years, what is the present value of paying the points (to the nearest dollar) net of the cost of the points? * $8,360 * $6,578 * $7,734 * $9,475 * $7,222