Harvey and Esmeralda's combined gross income is $75,000, and their monthly consumer debt is $558. They wish to purchase a new home valued at $185,000 but need to know if they qualify for a mortgage of $145,000 amortized over 20 years. The mortgage interest rate on a 5-year mortgage term is 5.75%. Property taxes are $1,800/year and the heating cost for the home is $1,200/year. What is their monthly mortgage payment? Select one: a. $924.60 b. None of the above c. $1,018.02 d. $1,012.43 e. $942.60