You need a loan of $135,000 to buy a home. calculate your monthly payment and total closing costs for each choice below. briefly discuss how you would decide between the two loans. choice 1: 15 year fixed rate at 4% with closing costs of $2700 and no points. choice 2: 15 year fixed rate at 3.5% with closing costs of $2700 and 5 points. what’s the monthly payment for choices 1 and 2? what are the total closing costs for choices 1 and 2?