I need help;

13 4 points Suppose a lender offers you a 15-year fixed-rate mortgage with a loan amount of $435,000 at 6,125% interest with two discount points and $670 in loan origination fees. A 3% prepayment penalty is charged for loans prepaid within the first 10 years. What is the effective cost if the loan is repaid at the end of year seven? 6.125% 6.31% 6.43% 6,48% 6.64% 6.73% 6.84% 7,07%