Give a $50,000 mortgage with an initial teaser rate of 5%, and a 2.5% margin, with a 2% annual interest rate cap, Assume a 30 year mortgage. The index is the one year T Bill rate. The forward rates applicable for years two and three are 6% and 6.25% 1. Find the payments for Year 1 Year 2 2. If a 1% origination fee is charged, find the yield IRR if the loan is held for two a. years. First find the loan balance at the end of year two. b. The enter the cash flows beginning with the first as a negative $49,500 CFo c. Then enter 12 cash flows which are the payments for year 1. d. The enter 11 cash flows which are the payments made in year 2. e. Then enter the final cash flow which is the sum of the loan balance and the last monthly payment. (these two amounts occur at the same month which is actually the 24th payment.