6.A mortgage banker is originating a level-payment mortgage with the following terms: Annual interest rate: 8 percent; Loan term:20 years; Payment frequency: monthly; Loan amount: $160,000; Total up-front financing costs (including discount points): $5,000; Discount points to lender: $3,000. (a) Calculate the lenders yield with no prepayment. (b) Calculate the lenders yield with prepayment in four years.