3. What is the monthly principal and interest payment on a $150,000 40-year mortgage at 5 1/2 percent? 4. Stacy Hova wants to purchase a home for $200,000. She has $10,000 to put down. She also has a $417 car payment. She makes $82,000 a year. Her lender is offering a 4.25-percent 30-year loan and uses a housing expense ratio of 28 percent and a debt-to-income ratio of 33 percent. Determine whether Stacy will qualify for this loan. Show your work and calculations to explain your answer. Don't forget to include insurance. taxes, and PMI in her house payment