$3.$ Consider the following newly originated fixed$-$rate mortgage.

Mortgage Description:

Full amortizing $30-$year fixed rate mortgage paid monthly.

Loan Amount $=$ $$362,000$

Interest rate $=5\mathrm{.}25\%$

$3$ points paid

Prepayment penalty $=2\%.$

A$.$ What is the monthly payment on this mortgage?

B$.$ What is the lenders yield, if the loan is held to maturity?

C$.$ What is the outstanding balance of this loan in $4$ years?

D$.$ What is the lenders yield, if the loan is paid off in $4$ years?