5. You plan to purchase a house for $175,000 using a 15-year mortgage obtained from your local bank. You will make a down payment of 25 percent of the purchase price and monthly payments. You will not pay off the mortgage early. Your bank offers you the following two options for payment: Option 1: Mortgage rate of 5 percent and zero points. Option 2: Mortgage rate of 4.75 percent and 2 points Which option offers a better deal? 6. (continue from Q5 above) If your bank offers you the following two options for payments instead: Option1: Mortgage rate of 4.85 percent and 2 point. Option2: Mortgage rate of 4.68 percent and 3 points. Which option offers a better deal