Lenders are offering different financing options on 30-year FRMs. One lender offers a contract rate of 6% with one discount point while another lender offers a 6% contract rate with two discount points. Since both loans are discounted, which is the better option for the borrower based on the APR? Other factors are held constant and the borrower wants to minimize his/her borrowing cost. the same

A. cant determine without the loan amount

B. 6% with two points

C. discounting doesnt matter, the APRs will be the same since the contract rates are

D. 6% with one point