19. Suppose that you are considering two options for a mortgage loan to purchase a house that costs $250,000. The first option is a 30-year fixed rate loan with a option is a 20-year fixed rate loan with a 3.5% APR compounded semi-annually and a 20% down payment required. Which option provides the lower total annual payment? A. First option B. Second option C. Both options provide the same total annual payment D. We cannot determine with the information provided 20. A bond has an annual coupon rate of 8%, a face value of $1,000, and five asist remaining until its maturity. If the bond pays its coupons on a quarterly basis and has a price of $950, what is the yield to maturity of the bond? A. 2.32% B. 4.64% C. 6.75% D. 9.26% E. 12.38%