if you borrow $145,000 to buy a house, and the bank will either lend you the money at 4.75% for a 30-year loan which results in a monthly payment of $756.39 or at 4.55% for a 15-year loan which results in a monthly payment of $1,112.95, what is the difference in the total dollars paid out over the life of each loan? Enter the difference as a positive number rounded to the nearest dollar. QUESTION 24 If you borrow $127,000 to buy a house by borrowing the money at 5.15% using a 30-year loan, what will your mortgage balance be in 10 years if you don't miss any payments? Enter your answer rounded to two decimal places. QUESTION 25 What is the net present value of paying points on a mortgage loan if you are borrowing $130,000 for 30 years at 5.49% interest with no points or 5.1896 with 2 points assuming you will live in the house and pay the mortgage for 6 years before selling it? Remember to use the with points rate when discounting. Enter your answer rounded to two decimal points. If the NPV is negative, put a hyphen in front of the number