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You borrow $150,000 with a 30-year payback term and a variable APR that starts at 9% and can be changed every five years. What is

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You borrow $150,000 with a 30-year payback term and a variable APR that starts at 9% and can be changed every five years. What is the initial monthly payment? If, at the end of five years, the lender's interest rate changes to 9.75% (APR), what will the new monthly payment be

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