Shirley Trembley bought a house for $181,400. She put 20% down and obtained a simple interest amortized loan for the balance at 11 3 8 % for 30 years. If Shirley paid 2 points and $3,427.00 in fees, $1,102.70 of which are included in the finance charge, find the APR. (Round your answer to one decimal place.) %?