Principal is $150,000, time is 15 years, monthly payment is $1,072.32. What is the annual interest rate? of (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 $1,100 (Use the annuat interest rat NOT the effective rate.) years and months (Round up to the neat month.) How lang would it take at $1,200 per menth? years and months (Round up to the next month.)