I need help with the following question.

14 4 points Chris Henry has a 30-year, 10/1 adjustable rate mortgage (ARM) with a $279.000 borrowed amount. There are 125 discount points on the loan as well as origination fees equaling $1.125. A prepayment penalty of 3% will be invoked if the loan is repaid within seven years. Chris has monthly payments over the years as follows: Years 1-10-$2,047.20 Year 11-$2.103.95 Year 12-$2.126.93 Year 13-$2,158.52 Year 14-$2.263.90 Year 15-$2.289.59 Years 16-30-$2.397.06 What is the APR of the loan for a 6-year holding period? 6.35% 6.73% 7.17% 7.54% 7.03% 0.29% 8.73% 9.36% 00