Consider a 4% fixed rate, 30 -year, fully amortizing mortgage loan of $100,000 with a loan origination fee of $1,000. What prepayment penalty (in \% terms) must the lender charge if she is targeting a 4.95% yield and expects the borrower to repay the loan in 4 years? 3.06% 3.63% 1.73% 2.13%