Suppose that you are offered a 20-year mortgage for $200,000 at 2.52% if you are willing to pay three points. If you don't have the three points (=$6,000), how much do you need to borrow in total? O a) $206,185.57 Ob) $206,000.00 O c) $206,384.21 How much would an annuity cost that guarantees monthly payments of $1500 a month for 20 years? Assume an interest rate of 3.75% ber year, compounded monthly. Round your answer to the nearest thousand dollars. O a) $360,000 b) $253,000 O c) $218,000