Refer to the statement below: A homeowner can obtain a $500,000 thirty year fixed rate mortgage at a rate of 3.0% with zero points or at a rate of 2.75% with 2 points. How long must the owner stay in the house (to the nearest year) to make it worthwhile to pay the points if the payment saving is invested monthly? 9 years 11 years 13 years 15 years 18 years