Exene financed the purchase of her new house in Maplewood with a 30-year fixed-rate mortgage. If the annual mortgage interest rate is 4.5% and she borrowed $185,000, what is her scheduled monthly payment?

If she makes a payment of $1000 a month, what is the balance remaining on her loan after making payments for 10 years?

If she makes a payment of $1000 a month until the loan is paid off, how many months will it take for her to pay off the loan?