If an adjustable-rate 25-year mortgage for $126,000 starts at 6.5 percent and increases to 70 percent, what is the increase in the monthly payment amount? Use Exhibit 7-7. (Do not round intermediate calculations. Round your answer to 2 decimal places.) Term Rate 30 Years 25 Years 20 Years 15 Years 3.096 $422 $4.74 $6.91 $5.55 5.80 Exhibit 7-7 Mortgage Payment Factors (principal and interest factors per $1,000 of loan amount) 3.5 4,49 5.01 7.15 4.0 4.77 5.28 6.06 7.40 7.65 4.5 5.07 5.56 6.33 5.0 5.37 5.85 6.60 7.91 8.17 5.5 6.14 6.88 5.68 6.00 6.0 6.44 7.16 8.43 6.5 6.32 6.67 7.45 8.71 7.0 6.65 7.06 7.75 8.98 7.5 6.99 7.39 8.06 9.27 8.0 7.34 7.72 8.36 9.56