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

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