I need help;

12 5 points NVR, Inc., a residential developer, wants to support the sale of their homes in a falling real estate market by offering you an interest rate buydown on a $350,000 single family home. The current market interest rate on a 30-year constant payment foxed rate mortgage with a 20% down payment is 10.6%, but the developer offers to subsidize your rate by having you only make a mortgage payment based on 9% for the first four years, and then 9.7% for years five and six, After this time, you will be paying the fixed market rate of 10.6% just as if you went through a private lender in the first place. The origination fees are $2.500. Assume an opportunity cost of capital as 10% and that you will stay in the home for nine years. What is the present value of the builder's interest rate buydown offer? $3,967.94 $4,827.87 $5.200.65 $11.903.82- $14.483.61 $15.041.94 $17,774.28 $21.947.561