10 pa QUESTION 14 "Sam bought a house that costs $1,000,000. Sam got a 97% LTV loan. The lender demanded that Sam buy private mortgage Insurance to insure the portion of the loan over 80% LTV. Suppose 5 years later, Sam s mortgage balance is 5900,000. However Sarn defaults and his house sells for $750,000 in a foreclosure auction. How much will the mortgage insurance company pay Sam slender?" 10 poin QUESTION 15 "Anns average income tax rate is 30%, and her marginal income tax rate is 37%. Her property tax bill for 2015 was $12,000 and her total interest payment on her mortgage was $9,500. Based on this information, what is Ann s total income tax shield (e. how much is Ann saving on her income taxes)