Consider a 7.5%, $145,000, 25-year mortgage loan with 1/2% origination fee, 3/4 of a point, $550 mortgage insurance fee, $360 document preparation fee, $395 appraisal fee, $663 title insurance fee, $125 credit report fee, $75 recording fee, and $500 to be placed in escrow. a.) Calculate total loan cost. b.) Calculate the reportable APR. c.) Calculate the real APR, and d.) Calculate the real APR with an early payoff after 10 years.