A $$1,000,000,30-$year, fixed rate $($FR$),$ fully amortizing $($FA$)$ mortgage is originated at $6\%$ MEY. Variable fees are $3\%$ of the gross loan, and fixed fees $$10,000.$ All fees are financed.

$(1)[5$pts$]$ What is the APR the lender must quote to the customer?

$(2)[5$pts$]$ If you prepay the mortgage after $5$ years, what is your effective cost of borrowing, assuming the loan was not curtailed?