Calculate the effective APR for a Fixed Rate Mortgage Loan of $ 250,000 @ 10.5% over thirty years for purchase of a residential home selling at $ 300,000. The loan Origination fee is 1 Point plus 2.5 Discount Points. The calculated Effective APR is:

a. 12.37%

b. 11%

c. 10.5%

d. is Exactly 10.5%

e. 10.91%

f. 9.85%