Eric and Tammy feel like they will live in their home forever. They are considering refinancing their home. Eric and Tammy were told by a mortgage broker that they would qualify for a 3.8% rate on a 15 year or 4% on a 30-year mortgage. Provide an analysis showing the pros and cons of each decision. Remember to look at financial ratios. Remember that Eric and Tammy are very visual learners. Assume that refinance costs are $5,500 and will be rolled into the new loan.