A borrower can get a mortgage for $400,000 over 30 years with the following terms: a. Initial interest rate =5% b. Index =1 year Treasuries c. Payments adjusted annually d. Margin =2% e. Negative amortization = yes f. Based on forward rates the index is forecasted as follows: Beginning of year BOY2=7%,BOY3=8%, BOY 4=7%,BOY5=5% Compute the payments, loan balances, and the cost of borrowing over a 5 -year period