You are about to purchase your first home and a lender has offered you either a 30-year $200,000 fixed-rate mortgage loan at 4.96% with $5,000 of origination fees, or a 30-year $200,000 4.56% fixed-rate mortgage loan at 4.56% with $7,000 of origination fees. Based on what calculation you learned this semester should you use to select the best loan option given you intend to prepay after 4 years? Outstanding Balance after 4 years Effective Borrowing Cost Incremental Borrowing Cost Monthly Payment Net Loan Amount