You need a loan of 130,000 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 6% with closing cost of $2800 and no points. Choice 2: 15-year fixed rate at 5.5% with closing costs of $2800 and 2 points. What is the monthly payment of choice 1? What is the monthly payment of choice 2