You are borrowing $250,000 to buy a house, using a standard, 30 year mortgage. your mortgage lender offers a 5.50% mortgage with no points, or a 5.20% mortgage with X points. You plan on living in the house for exactly 60 months, paying only the required payment each month, and without refinancing your mortgage. What points wilk make yku indifferent between the two mortgages. Use the 5.50% rate to discount cash flows between the two options.