A borrower can obtain an 80% loan with an 8% interest rate and monthly payments. The loan is to be fully amortized over 25 years. Alternatively, she could obtain a 90% loan at an 8.5% rate with the same loan term. Refer to Scenario 1 above. However, now assume that 2 points are charged at origination on the 90% loan, and that the borrower plans to prepay the mortgage in 5 years. What is the incremental cost of borrowing the additional funds? 18.67% 17.96% 17.12% 19.93% 19.15%