Susan is working with her mortgage lender on the terms of her new $18000030-year, fixed-rate mortgage. The lender offers a rate of 4.5\% APR with no points (monthly payment $586 ) and 4.25% with one point (monthly payment $572 ). If Susan plans to live in the house for 5 years, does it make sense for her to pay the point? Yes, 13 months is breakeven. Yes, 6 months is breakeven. No, 12.9 years is breakeven. No, 11 years is breakeven