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What is the effective borrowing cost (EBC) of a $358,298 30-year fixed-rate mortgage loan offered at 4.8% that filly amortizes with $3,239 in origination fees

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What is the effective borrowing cost (EBC) of a $358,298 30-year fixed-rate mortgage loan offered at 4.8% that filly amortizes with $3,239 in origination fees with monthly payments if the borrower plans to prepay after 27 payments? Please represent your answer as a percent with 2 decimals (ie, 0.0571 as 5.71)

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