The Fritzes are buying a house that sells for $134,000. The bank is requiring a minimum down payment of 10%. To obtain a 35-year mortgage at 10.5% interest, they must pay 4 points at the time of closing. a) Determine the required down payment. b) Determine the amount of the mortgage on the property with the 10% down payment. c) Find the cost of 4 points on the mortgage