Filomena is deciding between two mortgages for her new home. The first
mortgage is an 80/20 mortgage with interest rates of 4.75 and 7.525%,
respectively. The second mortgage is a 30-year mortgage with a 5.25% and a
$42.56 monthly PMI. If the house price is $100,000, which mortgage payment
will be lower initially, and by how much?

A. 30-year mortgage by $33.28
B. 30-year mortgage by $39.55
C. 80/20 mortgage by $37.25
D. 80/20 mortgage by $55.01