20. An interest only ARM is made for $200,000 for 30 years. The initial contract rate is 5 percent and the borrower will make monthly interest only payments for 3 years. Payments thereafter must be sufficient to fully amortize the loan at maturity. a) If the borrower makes interest only payments for 3 years, what will payments be? b) Assume that at the end of year 3, the contract rate is reset to 6 percent. The borrower must now make payments so as to fully amortize the loan. What will payments be