Ann is looking for a fully amortizing 30 year Fixed Rate Mortgage with monthly payments for $1,250,000.

Mortgage A has a 4.38% interest rate and requires Ann to pay 1.5 points upfront.

Assuming Ann makes payments for 2 years before she sells the house and pays the bank the balance, what is Anns annualized IRR from mortgage A?

please also include how to do it on a financial calc (BA II Plus) and not just on excel.. thank you!