Use () [1-(1) ] to determine the regular payment amount, rounded to the nearest dollar. Consider the following pair of mortgage loan options for a $115,000 mortgage. Which mortgage loan has the larger total cost (closing costs + the amount paid for points + total cost of interest)? By how much? Mortgage A: 15-year fixed at 12.25% with closing costs of $2500 and 1 point. Mortgage B: 15-year fixed at 10.5% with closing costs of $2500 and 2 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 $ OB. Mortgage B has a larger total cost than mortgage A by $