A borrower takes out a 30 -year adjustable rate mortgage loan for $200,000 with monthly payments: The first two years of the foan have a "teaser" rate of 4 percent, after that the rate can reset with a 2 percent annual rate cap. On the reset date, the composite rate is 5 percent. What would the Year 3 mionthly payment be? Musple Choice 5+067 5955 51,071 51156