You are purchasing a new home and need to borrow $$250,000$ from a mortgage lender. The mortgage lender quotes you a rate of $6\mathrm{.}25\%$ APR for a $30-$year fixed rate mortgage. The mortgage lender also tells you that if you are willing to pay $2$ points, they can offer you a lower rate of $6\mathrm{.}0\%$ APR for a $30-$year fixed rate mortgage. One point is equal to $1\%$ of the loan value and it does not affect the loan amount. So if you take the lower rate and pay the points you will need to borrow an additional $$4000$ to cover points. What is your lowest level of monthly payment to the lender?

$$1523$

$$1530$

$$1540$

$$2021$