Find the value of the expression x3−y3+x2+y2+3 by substituting x=−2 and y=1.

Margaret is purchasing a house for $210,000 with a 15 year fixed rate mortgage at 4.75% interest she has made a 5% down payment the house is valued at 205,000 and the local tax rate is 3.5% homeowners insurance 600 per year what are her total monthly payment