A mortgage broker offers you a $10-$year fixed rate mortgage over $$500,000$ with an APR of $2\mathrm{.}4\%.$ Alternatively, you can pay $1$ points to reduce the APR to $0\mathrm{.}019$ or $1\mathrm{.}9\%.$ A point is one percent of the loan amount.

What is the net present value of the savings from the lower payments $($net of paying the points$)?$