$5.$ A homeowner made a mortgage loan ten years ago for $$250,000$ at $8\mathrm{.}50\%$ for $30$ years. Today

the rate on $20-$year mortgages is $7\mathrm{.}25\%.$ To refinance, the borrower discovers that financing fees

would be $$3,500.$ What is the return on the investment if the borrower plans to stay in the house

for the next $20$ years? The borrower plans to refinance the current outstanding balance. Please solve using financial calculator keystrokes, i$.$e$.$ N$,$ PV$,$ I, FV$.$