Assume the monthly savings between the two below mortgages (copied from prior 2 problems) is $250. How long do you have to stay in the house (in months) to be indifferent between paying the points or not? No points: You are buying a $530,000 house and want to get a 75% loan-to-value mortgage. You are offered a monthly amortizing 7.5% fixed-rate, 30-year mortgage. Points: You are buying a $530,000 house and want to get a 75% loan-to-value mortgage. You are offered a monthly amortizing 6.75% fixed-rate, 30-year mortgage with 2 points