When you buy a house, you need to choose the type of loan. The options available to you are: 30-year fixed rate of 4% per year interest, 5% down 15-year fixed rate of 3.5% per year interest, 15% down Other information: Price of house is $150,000 House will be sold after 10 years for $170,000 Taxes and insurance (T&I) are $300 per month Amount available: maximum of $40,000 for down payment, $1600 per month, including T&I New loan expenses: origination fee of 1%, appraisal fee $300, survey fee $200, attorney's fee $500, processing fee $350, escrow fees $150, other costs $300. Any money not spent on the down payment or monthly payment will earn tax-free interest of 1/4 % per month. Calculate the future worth at the end of a 10-yr period. Which loan should you choose