On April 1, Year 1, Mary Borrowed $200,000 to Refinance

On April 1, year 1, Mary borrowed $200,000 to refinance the original mortgage on her principal residence. Mary paid 3 points to reduce her interest rate from 6 percent to 5 percent. The loan is for a 30-year period. How much can Mary deduct in year 1 for her points paid?

A) $200.
B) $6,000.
C) $150.
D) $4,500.