My bank is offering me two choices for rates and fees on my 30 year 295,000 mortgage:

Option A:

3.625%, $1,906 in fees. Principal plus interest payment is: $1,346

Option B:

3.75%, $0 in fees. Principal plus interest payment is: $1,367

I will likely keep this loan for a long time as the rates are so low. Not quite 30 years because I need to pay a little extra the first 2 years to be able to drop PMI so maybe 25 years. I have the cash available to pay the loan fees in option A without any struggle.

I know this is probably a very simple math question but I don't know how to do it. Both options seem very good to me, so which would you choose?

Thank you!