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Question 2(Multiple Choice Worth 3 points) (Mortgage Loans MC) A home buyer is debating between two different mortgages for $167,800. The options are: Option A: 20-year fixed rate loan at 7.45% with a total of $323,198.36 paid in principal and interest over the life of the loan Option B: 15-year fixed rate loan at the same rate. How much more total principal and interest will the buyer pay for the 20-year loan versus the 15-year loan? A spreadsheet was used to calculate the correct answer. Your answer may vary slightly depending on the technology used Question 3(Multiple Choice Worth 3 points) (Mortgage Loans LC) A bank offers three mortgages shown: Option 1: Fixed rate mortgage at 4% for 15 years Option 2: Adjustable rate mortgage at 2.95% for 15 years with terms 6/1 and a cap of 2/5 Option 3: Balloon mortgage at 5% with terms 15/5 Which mortgage(s) will have fixed payments for at least the first 6 years? Fixed rate only Fixed rate and balloon only Fixed rate and adjustable rate only Fixed rate, adjustable rate, and balloon A first-time home buyer is given the choice of two loans: How much does the home buyer save in total by choosing Loan A? $27,027.00 $11,427.00 $26,351.02 $42,627.05