Howard must decide if he will purchase discount points for his mortgage. two discount points which cost 2% of the mortgage amount will result in a 0.5% decrease in the interest rate. the terms of the mortgage are shown below. howard's mortgage $423,000 30 year fixed 4.5% annual rate 2 discount points m $2,143 28 5% annual rate 0 discount points m = $2.270 76 howard plans to stay in his house for about five years. should howard purchase the two discount points? explain your reasoning.