Should I Pay Points to Lower My Interest Rate?

Input Information
Loan Information
Amount : ($)
Interest Rate : (%)
Interest Rate with Points : (%)
Length : (Yrs)
Additional Information
Points : (%)
Your Savings Rate : (%)

Financial Analysis (Switch to Plain English)
  Without Points With Points
Amount Financed : $250,000.00 $250,000.00
Monthly Principal & Interests : $1,478.84 $1,323.02
Monthly Payment Savings : $155.82
Points Value : $2,500.00
Monthly Investment Savings : $10.42
True Monthly Savings : $145.41
Break Even : 1 Years 6 Months
Plain English Help (Switch to Financial Analysis)
DISCLAIMER: There is NO WARRANTY, expressed or implied, for the accuracy of this information or it's applicability to your financial situation. Please consult your own financial advisor.