In discussing the terms of a mortgage loan, you (the borrower) are offered to choose between a 5-year loan to be repaid at an interest rate of 7% with no initial fee (Option A), or reduce the interest rate to 6% with an initial fee of 4 points on the value of the loan (Option B). Then, if you can "amortize" the initial fee and pay back the loan annually, what option is better (lower) Option A is better Option B is better They are the same