You are borrowing $$100,000$ to purchase a house. The interest rate is $3\mathrm{.}5\%$ over $15$ years, with monthly payments, and there is a $$1,000$ origination fee on the mortgage. What is the APR or true cost of borrowing $($in $\%)$ taking into account the origination fee? Enter your answer in decimal format, using four decimal places. For example, $4\mathrm{.}25\%$ would be entered as $\mathrm{.}0425$