You have worked hard over the last three years to save up enough money for a down payment on your first home. After meeting with your lender, you are faced with two loan options. Both loans are 30 year, fixed rate mortgages with payments of $1,800 per month. Origination fees will be 2% of the loan amount for either loan. Loan A has an interest rate of 3.0% with no points, while Loan B has a rate of 2.75% with 1.25 points. What is your EBC if you select Loan A?