You are thinking about getting a 21 year $100000 mortgage loan at 5.5%. You will incur a total of $3200 for origination fee, points, mortgage insurance and other costs. In addition, you will have to pay the first years hazard insurance premium of $410 and out $360 into an escrow account. You project paying off the loan at the end of 4 years. What is your real APR reflecting early payoff.