15) A borrower takes out a 30 -year adjustable rate mortgage loan for $200,000 with monthly payments. The first two years of the loan have a "teaser" rate of 4%, after that, the rate can reset with a 5% annual payment cap. On the reset date, the composite rate is 6%. Assume that the loar allows for negative amortization. What would be the outstanding balance on the loan at the end of Year 3 ? A) $190,074 B) $192,337 C) $192,812 D) $192,926