You are looking to take out a 300K USD mortgage for 30 years. After shopping around, you have two offers on the table: Bank 1: 3.06% interest rate, up front fees of 4,035 USD Bank 2: 3.58% interest rate, up front fees of 3,141 USD Notice the tradeoff between the rate and the fees: you can pay a higher up front fee in exchange for a lower interest rate. How long (at a minimum) must you anticipate staying in this house, in order for the loan from Bank 1 to be better for you?

Enter answer in months, to two decimal places.

Hint: to make this ballpark estimate, ignore time value of money for simplicity.