What is the net present value of paying points on a mortgage loan if you are borrowing $130,000 for 30 years at 5.49% interest with no points or 5.18% with 2 points assuming you will live in the house and pay the mortgage for 6 years before selling it? Remember to use the with points rate when discounting. Enter your answer rounded to two decimal points. If the NPV is negative, put a hyphen in front of the number.