Hello, please help me to answer these questions as soon as possible.

4) XYZ Federal Salving Bank is considering making a mortgage loan to Jennifer to assist her with her now home purchase. She is asking for a loan of $145,000 to be amortized over 30 years at a 7.5% rate of interest. If the lending officer tells Jennifer she will have to pay 2 points to get the loan, what is the effective rate of interest that XYZ Federal will be earning on the loan, assuming the loan will run for the full 30-year term?

5) Chase is buying a new home with a purchase price of $195,000. He is taking out a 75% loan-to-value mortgage amortized over 25 years with a 6.25% rate of interest. What is Chase's principal balance at the end of three years if he makes all his payments on time?

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