You found your dream house and now need to borrow $200,000. Big Franks Bank offers a $200,000, 30 year, 6.5% fixed rate loan with closing costs of $500 plus two points. Honest Abes Savings and Loan offers a $200,000, 30 year 7% fixed rate loan with no closing costs. Assume you plan to stay in this house for five years. What would be your best option? What if you stay in the house for ten years? Assume monthly payments.