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QUESTION 25 Ben Thenking wants to borrow $300,000 to buy a house. He plans to live there for exactly 5 years before selling the house, repaying the lender the balance and moving. Ben is considering a 30 year fully amortizing fixed rate mortgage with monthly payments. The banker shows Ben three loan options: (1) A loan with a 5% annual interest rate which requires Ben to pay 2 points up front, (2) the same terms as (1), but the loan principal is increased so Ben can borrow the points, or (3) no points, 5.25% annual interest 30 year fully amortizing fixed rate mortgage with monthly payments. (B) Which of the 3 options above will result in Ben paying the least total payments for the 5 year period and what is the total $ amount of all the payments made over the 5 years for the option selected? Note that the total sum of all payments over the 5 years, includes: (1) the monthly mortgage payments, (2) any points paid up front, and (3) the repayment of the remaining unamortized principal loan balance at the end of year 5