A borrower takes out a $15-$year mortgage loan for $$100,000$ with an interest rate of $7\%$ plus $3,000$ in lender origination fees. What is the effective annual interest rate on the loan if the loan is carried for all $15$ years? Note please write the answer in decimal format, e$.$g$.,8\mathrm{.}75\%$ should be written as $0\mathrm{.}0875.$