Use PA [1-(1-4) to determine the regular payment amount, rounded to the nearest dollar. Consider the following pair of mortgage loan options for a $170,000 mortgage. Which mortgage loan has the larger total cost (closing costs + the amount paid for -nt points + total cost of interest)? By how much? Mortgage A: 30-year fixed at 12.25% with closing costs of $1100 and 1 point. Mortgage B: 30-year fixed at 10.5% with closing costs of $1100 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 S OB. Mortgage B has a larger total cost than mortgage A by S