Principal is $150,000, time is 15 years, monthly payment is $1,072.32. What is the annual interest rate? % (use 3 decimal places) What is the effective interest rate? (use 3 decimal places) How long (in years and months) would it take to pay off the mortgage if the payment was rounded up to $1,1007 (Use the annual interest rate, years and NOT the effective rate.) How long would it take at $1,200 per month? years and months (Round up to the next month.) months (Round up to the next month.)