Which Mortgage Option Is Best for My Situation?

[Jason Scott]

Hi, I'm in the process of deciding between two mortgage options for a loan amount of $180,000 with a 30-year fixed-rate term, and I’d love some insight from the community. Here are the details:

**Option A:**

- Rate: 6.125%

- Credit: $2,300 towards closing costs

**Option B:**

- Rate: 5.7% 

  - No credit towards closing costs

I'm trying to determine which option is the better deal. Which option would you choose based on your experience and why? I'd appreciate any advice or insights!

~Thank You