Ann gets a fully amortizing 30-year fixed rate mortgage with quarterly payments for $100,000. The interest rate is 5%, compounded quarterly. She prepays the mortgage in 1 quarter (1.e. she makes the 1st payment and immediately prepays the remaining balance). What is Ann's APR? Notes: a quarter equals 3 months, one year consists of 4 quarters, APR is annual QUESTION 14 Modify Q13: At the moment when Ann signs the mortgage, she must pay an origination fee that equals 2 points. Everything else stays the same, and she still prepays the mortgage in 1 quarter. What is Ann's APR? QUESTION 15 Modify Q14: There is still an origination fee of 2 points, but now Ann decides to keep the mortgage for the whole term, i.e. she no longer plans to prepay it. What is Ann's APR