Roger and Vanessa are planning to buy a house. The house will cost them $175,000, and they plan to make a $40,000 down payment and borrow the remaining $135,000. Roger and Vanessa's monthly gross income is $3,700. Insurance is estimated to cost $800 per year, and taxes are estimated to be $1,000 per year. They plan to live in the house for 30 years. The house appraises right now for $182,000. Currently, Roger and Vanessa are renting. Their monthly rent is $1,350. The rent typically increases at an annual rate of 4%. What is the APR for each of the five loans