A home mortgage with monthly payments for 30 years is available at 6% interest. The home you are buying cost $120,000 and you saved $12000 to meet the requirement of a 10% down payment. The lenders charges points of 2% of the loan value as a loan origination and processing fee. This fee is added to the initial balance of the loan. (a)what is the monthly payment (b)Keeping the mortgage until paid off in 30 years, what is the effective annual interest rate? (c)if you move to a larger house in 10 years and pay off loan, what is your effective annual interest rate? (d)If you are transferred in 3 years and pay off the loan, what is your effective annual interest rate?