You have the following two options on a $200,000 mortgage: 1. 15 -year, 4\%. No points 2. 15 -year, 3.5%,2 discount points. What is the net present value (NPV) of paying the points if you choose to stay with the mortgage for 6 years? [Hint: consider both the PV of the monthly savings and the PV of the savings from the difference in outstanding balance st the end of the 6 years]. 5782 $592 $2.026