You need a loan of $$$$165$ comma $000$ to buy a home. Calculate your monthly payments and total closing costs for each choice below. Briefly discuss how you would decide between the two choices.

Choice$1$: $15-$year fixed rate at $4\%$ with closing costs of $$$$2100$ and no points.

Choice$2$: $15-$year fixed rate at $3\mathrm{.}5\%$ with closing costs of $$$$2100$ and $2$ points.