I need help with the following question;

11 5 points You buy a house for $229,900. You put down 2016 and trance the rest Loan origination fees sum to $2,415. You pay 0.875 points on the down to buy down the interese pantom 6.375%. A prepayment penalty of 3% will be incurred if you repay the loan within 4 years Calculate the APR if you hold the loan for 20 years. 0.637596 2.57% 6.375% 6.55% 6.85% 7.37% 0.65%