You are buying a house and the mortgage company offers to let you pay a point' (1.0% of the total amount of the loan) to reduce your APR from 5.641 to 5.39% on your $430,000, 30 year mortgage with monthly payments. If you plan to be in the house for at least five years, should you do it? (Note: Be careful not to round any intermediate steps less than six decimal places) The monthly mortgage payment at 5.64% APRINS (Round to the nearest cent)