You are purchasing a house for $100,000 and need a loan for the entire amount. Your APR is 7%, and the payment term is 30 years. Your monthly payment is $665. If you purchase four points, your new monthly payment is $599. How many months does it take to break even on the cost of the mortgage points? (Round your answer up to the next month. Example: 2.4 months =3 months). 58 months 59 months 60 months 61 months