9)What is the Monthly Mortgage Payment for a 15-yr fixed rate mortgage with an interest rate of 3.25%, 1 point and $2000 in fees on a home with a value of $200,000 and an LTV of 92%?

10)Evaluate and decide which of the following two mortgages is the best rate including points and fees:

a.30-yr fixed rate mortgage with an interest rate of 4.5%, 1.5 points and $3000 in fees on a home with a value of $300,000 and an LTV of 80%

b.30-yr fixed rate mortgage with an interest rate of 4.25%, 2 points and $4000 in fees on a home with a value of $300,000 and an LTV of 80%?