P n PH) [1-(-)" Use to determine the regular payment amount, rounded to the nearest dollar. Consider the following pair of mortgage loan options for a $130,000 mortgage. Which mortgage loan has the larger total cost (closing costs + the amount paid for points + total cost of 1 1 + n interest)? By how much? Mortgage A: 15-year fixed at 9.25% with closing costs of $2300 and 1 point. Mortgage B: 15-year fixed at 7.5% with closing costs of $2300 and 5 points. Choose the correct answer below, and fill in the answer box to complete your choice. (Do not round until the final answer. Then round to the nearest dollar as needed.) O A. Mortgage A has a larger total cost than mortgage B by $ O B. Mortgage B has a larger total cost than mortgage A by $