The most Ellsworth can afford to pay per year in mortgage payments is $14,000, and his credit score is currently 498. According to the following table for a $150,000 mortgage, by how many points would

The most Ellsworth can afford to pay per year in mortgage payments is $14,000, and his credit score is currently 498. According to the following table for a $150,000 mortgage, by how many points would he need to improve his credit score in order to take a mortgage for $150,000?