May I please have help with 19 and 20 and how to solve them ?

Calculate the effective cost of the following loan if the borrower prepays at Loan amount $100,000, Term: 30 years; Interest rate: 75% Monthly Payment, b. 8.645% d. None of the above the end of year 3 8.285% 5%prepayment penalty over c 8.935% 20. You borrow $100,000 choose 30-year term payment between these two mortgages? a. $84,854 b. $102,366 c. $125,786 d. None of the above mortgage with monthly payments. You can either choose 15-year term with interest rate 7% or 1 with Interest rate 8%. If both loans are held to maturity, what is the difference of total interest You borrow S 100,000 at 6% for 30 years with monthly payments. You pay 2 discount points and your APR is 65% What is the amount of your other financing fees besides the discount points? a. $1,144.7 b. $2,144.7 c. $3,144.7 d. None of the above 21 You borrow S 100,000 Constant Arnortization Mortgage (CAM) at 10% for 20 years, assuming annual payment, w your total payment for year 11? a. 5,000 c. 8,000 22 b. 6,000 d. 10,000 (For 23-25) You are buying a house for si 50,000 with a 20% down payment, the lender will finance the remainder onth purchase price with a 30 year CPM with bi-weekly payments at 6.125% annual rate (hint: there are 52 weeks in 23 Approximately how many payments does it take to reduce the loan balance to $100,000? a. 268