Your local lender offers you a fixed$-$rate mortgage with the following terms: $$250,000\mathrm{.}00$ at $7\mathrm{.}55\%$ for $30$ years, monthly payments. The lender will charge you $3$ discount point$($s$)$ and the loan has a $2\%$ prepayment penalty for the first $10$ years of life.

What is the annual percentage rate $($APR$)$ of the loan?