I need help with converting this into a formula for excel

• In cell A2, type "Starting interest rate"; in B2, enter 4.25%you must reference this cell in your adjustment calculations
• If the loan amount is over $400,000 subtract 1.00 percentage point (meaning that the Effective Interest Rate would be 3.25%), unless the period is 10 or fewer years
• If the loan amount is equal to or under $400,000 and over $300,000 subtract 0.75 percentage points
• If the loan amount is equal to or under $300,000 and over $175,000 and 20 or fewer years subtract 0.50 percentage points
• If the loan amount is equal to or under $100,000 add 0.25 percentage points
• Lastly, in addition to any adjustments above, if the borrower lives in the state of New Jersey add 0.50 percentage points

Please help?