I need help with the following question;

4 points A graduated payment mortgage (GPM) with 30 years of monthly payments, has two points, $1,250 in loan origination fees, and a 4% prepayment penalty if refinanced within six years. With a borrowed amount of $389,000 after making a 10% down payment, an interest rate of 8.25% and a graduation period of 48 months with annual increases of 6%, what is the initial monthly payment over the first year? $1,811.51 $1,978.07 $2,076.89 $2,093.06 $2,175.91 $2,417.68 $2,438.90 $2,489.03 4 points A graduated payment mortgage (GPM) with 30 years of monthly payments, has two points, $1,250 in loan origination fees, and a 4% prepayment penalty if refinanced within six years. With a borrowed amount of $389,000 after making a 10% down payment, an interest rate of 8.25% and a graduation period of 48 months with annual increases of 6%, what is the initial monthly payment over the first year? $1,811.51 $1,978.07 $2,076.89 $2,093.06 $2,175.91 $2,417.68 $2,438.90 $2,489.03