Evaluate and decide which of the following two mortgages is the best rate including points and fees: 15-yr fixed rate mortgage with an interest rate…

Evaluate and decide which of the following two mortgages is the best rate including points and fees:

15-yr fixed rate mortgage with an interest rate of 3.5%, 1.5 points and $3000 in fees on a home with a value of $300,000 and an LTV of 80%

15-yr fixed rate mortgage with an interest rate of 3.25%, 2 points and $4000 in fees on a home with a value of $300,000 and an LTV of 80%?