You are going to use a mortgage to buy a house. This mortgage will have an initial balance of $250,000. You go online to a bank and they make two offers to you: You can get a 3.75% loan for 30 years with no points, or You can get a 3.50% loan for 30 years with 1.5 points (you have enough cash to cover the points at closing.) a. If you anticipate staying in the house for 30 years, which loan should you take? What would be the effective interest rate on each loan? b. If you anticipate staying in the house for 15 years, which loan should you take? What would be the effective interest rate on each loan? c. If you anticipato staying in the house for 5 years, which loan should you take? What would be the effective interest rate on each loan