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USB offers a $250,000, 30-year, 4.2% fixed rate loan with closing costs of S1,500 plus 1 point. NSB offers a lower rate of 3.9% on

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USB offers a $250,000, 30-year, 4.2% fixed rate loan with closing costs of S1,500 plus 1 point. NSB offers a lower rate of 3.9% on a 30-year loan of the same amount, but with closing costs of $2,000 plus 2 points. Evaluate the two options

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