3. Ann obtains a fully amortizing 30 year Fixed Rate Mortgage with monthly payments for $4,500,000 at 4.38% How much does Ann need to pay monthly? 11. Ann is looking for a fully amortizing 30 year Fixed Rate Mortgage with monthly payments for $4,500,000 Mortgage A has a 4.38% interest rate and requires Ann to pay 1.5 points upfront. Mortgage B has a 6% interest rate and requires Ann to pay zero fees upfront Assuming Ann makes payments for 30 years, what is Ann's annualized IRR from mortgage B