Use PH 1-(1+) 11 to determine the regular payment amount, rounded to the nearest dollar. Consider the following pair of mortgage loan options for a $165,000 mortgage. Which mortgage loan has the larger total cost (closing costs + the amount paid for points + total cost of interest)? By how much? Mortgage A: 15-year fixed at 6.25% with closing costs of $1300 and 1 point. Mortgage B: 15-year fixed at 4.5% with closing costs of $1300 and 4 points. Choose the correct answer below, and fill in the answer box to complete your choice. (Do not round until the final answer. Then round to the nearest dollar as needed.) A. Mortgage A has a larger total cost than mortgage B by $ . O B. Mortgage B has a larger total cost than mortgage A by $