19. The listing price of the house of your dreams is $475,000. The appraised value of the house is $485,000. The assessor's value is $450,000. You put an offer of $473,00 on the house and the offer is accepted. The lender has agreed to give you an 80% loan, 3.5% interest rate, 30- year term. The discount points are 2 percent. What is the loan amount? b. Calculate the payment. The effective borrowing cost on the loan if the lender charges 4 points at origination is: a. c