900130809 is the student id number for question

must use that for purchase price says so in question

what information is missing

Part II - Mortgage Refinance Suppose your friend April is considering to refinance her mortgage. She bought her house 60 months ago. The amount of loan equals 1000 multiple the middle three digit of your student ID number. She paid cash to cover the 5% down payment plus all required closing costs (closing costs include application fee, appraisal fee, loan origination fees and other costs, usually about 3%-5% of the loan amount). Since she had a decent credit history and relatively stable income, her mortgage rate was 5.25% for 30 years at the time of the purchase. Since her down payment was less than 20%, she had to pay monthly mortgage insurance premium which is $80 per month (premiums are automatically terminated when the LTV ratio (loan-to-value ratio) falls below 80%) Recently, mortgage rate has been dropping and she is considering to refinance her mortgage. She talked witha mortgage banker and got the following information a) 3.75% 30 year conventional loan with out-of-pocket b) 3.5% 30 year conventional loan with out-of-pocket closing c) 3.25% 30 year conventional loan with out-of-pocket closing costs of $1,800; costs of $3,000; closing costs of $4,000 Based on the recent appraisal, her house value has changed to S151,000