Here is what I dug up really quick. These rates are for the amount you stated with 20% down and 30 year fixed.There are better rates out there. Do your shopping around. Paying on points is not great depends on how many years it takes to make it up. You could stick the money elsewhere. You have to weigh your options and see what will work for you in the long run. These rates are from Boston BTW.
http://www.bankrate.com/brm/rate/mtg...f&refi=0&pct=0