EVERYONE ON CHEGG HAS GOTTEN THIS WRONG, DO NOT USE THEM FOR REFRENCE OR HELP! Pls answer yourself, thanks

Ann is looking for a fully amortizing $30$ year Fixed Rate Mortgage with monthly payments for $$4,500,000.$ Mortgage A has a $4\mathrm{.}38\%$ interest rate and requires Ann to pay $1\mathrm{.}5$ points upfront. Mortgage B has a $6\%$ interest rate and requires Ann to pay zero fees upfront. Assuming Ann makes payments for six months before she sells the house and pays the bank the balance, what is Ann$$s annualized IRR from mortgage B$?$ Write your answer as a percent rounded to two decimal points without the $\%$ sign $($e$.$g$.$ if you get $5\mathrm{.}6499\%,$ write $5\mathrm{.}65).$