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Home Loan:

a. The Flores home costs $162,500. They are required to make a 20 % down payment and may finance the balance at 3.75% interest rate compounded monthly. How much did The Flores family pay for the down payment? What is the loan amount?

b. Suppose the loan was obtained on April 10, 2012 for 30 years at 3.75 % compounded monthly. Find their monthly payment beginning one month from the date of the loan. Their property taxes are $4620 per year. If they decide to make a monthly payment into an Escrow account for the taxes, how much is their total monthly payment?

c. If monthly payments of $750 are made, what is the balance after August 10, 2016?

d. Suppose they can refinance at 3.1% for 15 years or 2.625% for 10 years. Which option would you advise them to go for? Explain why.

 e. The Flores’ property tax is adjusted to $3659 per year and they chose the ten-year loan option beginning September 1, 2016. What is their new total monthly payment.