Which mortgage would result in higher total payments? Why? (Hint: Dont forget to translate years into months.)

• Mortgage A: A fixed-rate option of $1,085 per month for 30 years OR
• Mortgage B: An adjustable-rate option of $800 per month for 5 years and $ 1,200 per month for the next 25 years?
• In general, under what condition(s) would an adjustable-rate mortgage loan be more desirable than a fixed-rate mortgage loan?