Shelly plans to take a 30 -year and fixed-rate mortgage with the amount of $100,000 mortgage. The interest rate is 3%, so monthly payment for both principal and interest is $421 per month. Shelly can considering purchasing three discount points,so interest rate would be 2.75%. Purchasing the three discount points would cost $3,000 but reduce the payment to $382 per month.Are mortgage points worth it? Please elaborate ( 2 points)