A couple is purchasing a home for $300,000 and are shopping for a loan. They have a total of $27,000 to put down, including the cost of $1,000 and any loan fee that might be changed. Bank A offers a 9% APR amortized over 30 years with 360 equal monthly payments. There is no loan fee. Bank B offers a 8.5% APR amortized over 30 years with 360 equal monthly payments. There is a loan 3% loan fee (a one time up front charge of 3% of the loan). Which loan is better?