You are looking at buying a home with an asking price of $500,000. Since the market is hot, you plan to put in an offer for the full asking price. You also plan to put a $100,000 down payment and finance the remainder. Your bank is offering you a 30-year loan at 3.5% APR (compounded monthly). Suppose you pay the bank $2,700 each month rather than making the required payment, calculate the number of months it will take to pay off the loan. (Round to the nearest whole number; zero decimals)