Create the amortization spreadsheet and answer the following questions for a $350,000 15-year fixed-rate, constant-payment mortgage loan that is partiallyamortizing with a balloon payment of $100,000. The contract interest rate is 4% with monthly payments. Up-front discount points on the loan are 4%, and there is a 1% prepayment penalty. **please post spreadsheet with formulas visible** a) What is the APR (annual percentage rate) on the loan assuming that there is no early prepayment on the mortgage? b) What is the EAR (effective annual rate) on the loan if it prepaid at the end of year 7? c) What is the monthly mortgage payment during month 160? d) How much cumulative interest is paid during the 14th year of the mortgage?