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12 4 points A 30-year. 5/1 adjustable rate mortgage (ARM) in the amount of $475,000 is taken out with a teaser rate of 5.39% The Index value in Year 1 ls 4.5% Year 2 15 5.4% Year 3 is 4.65 Year 4 is 6.2% Thereafter is 7.6% The margin is equal to 2.25% The period interest rate cap is equal to 3.25%, the lifetime cap is 6.5%, and the payment cap is equal to $300 There are 1.75 discount points on the loan as well as origination fees equaling $1.575. A prepayment penalty of 4% will be invoked if the loin is repaid within six years What are the appropriate interest rates to use on this loan to calculate payments for the first five years? 4.50% 5.35%7.65%: 6.85% 8.45% 4.50%: 7.65%, 6.85%: 845%; 9.85% 5.35% 7.65% 6.85%: 6455; 9.05% 5.35% 7.60%:7.85%: 945%: 10.10% 4.50% 7.607.05%; 9.45%: 10.10% 4.50% 5.40%4.60%: 7.60% 7.60% 4.50% 5.35% 7.60 7.85% 9.45% 5.35% 5.35% 35% 5.35% 5.35 12 4 points A 30-year, 5/1 adjustable rate mortgage (ARM) In the amount of $475,000 is taken out with a teaser rate of 5.35%. The index value in: Year 1 is 4.5% Year 2 is 5.4% Year 3 is 4.6% Year 4 is 6.2% Thereafter is 7.6% The margin is equal to 2.25%. The period interest rate cap is equal to 3.25%, the lifetime cap is 6.5%, and the payment cap is equal to $300. There are 1.75 discount points on the loan as well as origination fees equaling $1,575. A prepayment penalty of 4% will be invoked if m What are the appropriate interest rates to use on this loan to calculate payments for the first five years? O 4.50%: 5.35%; 7.65%; 6.85 % ; 8.45% 4.50%; 7.65%; 6.85% ; 8.45 %; 9.85% 5.35% ; 7.65%; 6.85% ; 8.45 %; 9.85% 5.35% : 7.60 % ; 7.85% ; 9.45 %; 10.10% 4.50% : 7.60%; 7.85% ; 9.45% ; 10.10 % 4.50% : 5.40 % ; 4.60% ; 7.60%; 7.60% 4.50% : 5.35% ; 7.60 % ; 7.85% ; 9.45% 5.35%; 5.35%; 5.35%; 5.35%; 5.35% 4 points 13 Amy Secret borrowed $380,000 via a 1/1 adjustable rate mortgage (ARM) on a $475,000 home purchase. The sates I want you an 93% 8,23%, and 11.05%. The payment cap is equal to $300. There are 0.75 discount pocs on the louna