To Determine the Mortgage Payment on a Home Loan with Payments

To determine the mortgage payment on a home loan with payments made at the beginning of each month, you would

A) determine the present value factor of an ordinary annuity and multiply the factor by the loan amount to determine the payment.
B) determine the present value factor of an annuity due and divide the factor into the loan to determine the payment.
C) determine the present value factor of an ordinary annuity and divide the factor into the loan to determine the payment.
D) determine the present value factor of an annuity due and multiply the factor by the loan amount to determine the payment.