which of the following options regarding a $200 000 mortgage, compounded semi-annually results in the lowest total interest payment? a) a 3.5% interest rate, paid monthly and amortized over 20 years b) 3.25% interest rate paid monthly and amortized over22 years c) a 3.5% interest rate paid bi-weekly and amortized over 20 years d) a 4% interest rate paid monthly and amortized over 15 years