A borrower is faced with choosing between two $75,000, 30-year fixed-rate mortgage loans. The first loan has an interest rate of 6% with six points. The second loan has a rate of 7% with two points. a) If the loan is repaid after 20 years, which is the better option? Show calculations to support your answer. b) If the loan is repaid after 5 years, which is the better option? show calculations to support your answer. How to calculate it in an excel spreadsheet please