Help quickly not much time

In factoring by grouping, what would you have for step 3 for the following? step 1: x^3 +5x^2 +4x+20 step 2: x^2 (x+5)+4(x+5) step 3: ?

If your annual gross income is $62,000 and you have one monthly car payment of $335 and a monthly student loan payment of $225, what is the maximum house payment you can afford. consider a standard 28% front-end ratio and a 36% back-end ratio. also, to complete your calculation, the annual property tax will be $3,600 and the annual homeowner's premium will be $360.

How do i do this activity, is appreciated