How to solve, please help asap $($No time value of money$)$

You plan to purchase a house for $$175,000$ using a $15-$year mortgage obtained from your

local bank. You will make a down payment of $25$ percent of the purchase price. You will not pay

off the mortgage early.

a$.$ Your bank offers you the following two options for payment:

Option $1$: Mortgage rate of $5$ percent and zero points.

Option $2$: Mortgage rate of $4\mathrm{.}75$ percent and $2$ points.

Which option would you choose?

b$.$ Your bank offers you the following two options for payments:

Option $1$: Mortgage rate of $4\mathrm{.}85$ percent and $2$ points.

Option $2$: Mortgage rate of $4\mathrm{.}68$ percent and $3$ points.

Which option should you choose?