Sofie Uretsky is buying a house that cost $425,000. She makes a 20% down payment and she is expected to make monthly payments for the next 15 years on the balance of the loan which she is financing at 5% APR. With the given information, construct an amortization table and answer the following questions:

a) What is the monthly payment of Sofie's mortgage loan?

b) How much principal is paid by Sofie at the first month of the second year?

c) What will the remaining balance be on the loan after she makes the 60th payment?

d) What percentage of the total payments is paid to interest for the first three years (= total interest payments for the first 36 months / total payments for the first 36 months)?