You are about to sign a 15-year mortgage agreement to buy a house that's listed at $150,000. You have decided that you can afford an annual payment of $13,500 over the life of the loan. The interest rate the bank will charge you is 6% per year. How much of the house price will you borrow today (the remainder, of course, is the down payment you will have to come up with). Assume that no other costs are involved and you will make annual (not monthly) payments.