Carol is working with her mortgage lender on the terms of her new $28000030-year, fixed-rate mortgage. The lender offers a rate of 4.5% APR with no points (monthly payment \$686) and 4.25% with one point (monthly payment $674 ). If Carol plans to live in the house for 5 years, does it make sense for her to pay the point? No, 19 years is breakeven. No, 23.3 years is breakeven. Yes, 23 months is breakeven. Yes, 6 months is breakeven