Suppose you take a fixed$-$rate mortgage for $$375,000$ at $6\mathrm{.}25\%$ for $30$ years, monthly payments with two discount points. At the end of five years, you receive a job transfer and you sell the house and repay the mortgage. You discover that there is a $5$ percent prepayment penalty on this loan for the first eight years of life. What is the effective cost of this loan? USING FINANCIAL CALCULATOR KEYSTROKES