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christine is getting a 30-year fixed rate of $200,000 mortgage. She can get a mortgage rate of 6.5% with no points or a rate of

christine is getting a 30-year fixed rate of $200,000 mortgage. She can get a mortgage rate of 6.5% with no points or a rate of 6.0 % with 2 points. She decides it's not worth it to pay the points. Why?

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