I need help with the following question;

2 5 points You buy a house for $229.900. You put down 20% and inance the rest.Loan angination fees sum to $1415. You pay 0875 points on the car to buy own the stratto 6.375%. A prepayment penalty of 3% will be incurred if you repay the loan within 4 years Calculate the APR you hold the loan for 3 years 0.6375% 2.57% 6.375% 6.53% 0.000 6.85% 7.67% 5.65