karen is taking out a mortgage for $$145,000$ to buy a new house and is deciding between the offers from two lenders. She wants to know which one would be the better deal over the life of the mortgage loan, and by how much. Answer each part. Do not round intermediate computations, and round your answers to the nearest cent. A savings and loan association has offered her a $15-$year mortgage loan at an annual interest rate of $4\mathrm{.}7\%.$ Find the monthly payment. Her credit union has offered her a $15-$year mortgage loan at an annual interest rate of $4\mathrm{.}5\%.$ Find the monthly payment. Suppose Karen pays the monthly payment each month for the full term. Which lender's mortgage loan would have the lowest total amount to pay off, and by how much?