You plan to purchase a house for $350,000 using a 30 year mortgage obtained from your local bank. You will make a down payment of 20 percent of the purchase price. Your bank offers you the following two options for payments: Option 1: Mortgage rate of 10.35 percent and 1 point. Option 2: Mortgage rate of 10.1 percent and 2.5 points. Which option should you choose (assuming you will hold the mortgage until maturity)?