The Thompsons need to borrow $175,500 to purchase a home. They have two options to consider from Miss Wonderful's Mortgage Lenders. A 30-year fixed rate loan at 7.5% interest, and a 15-yr fixed rate loan at 9% interest. The monthly payment for the 30-year loan is about $1227. For the 15-year loan it is about $1780. What advice would you give The Thompsons in this situation? Please use at least two complete sentences.