Answer:
Alyssa got a better interest rate on her loan.
Step-by-step explanation:
In this case, Alyssa probably got a better interest rate on her loan, that's why her mortgage costs are lower.
When we want to by a house and we don't have the money, we can recur to a mortgage, which is a debt instrument and it is not free. To apply for a mortgage we need to have a lender, who is gonna give us the loan to effort the house. This loan isn't for free either, and we can have access to the money if we agree to pay a monthly fee. So, this time Alyssa is using a better interest rate than Steven, and that's why she pays less every month.