A borrower has secured a 30 year $150.000 loan at 7% with monthly payments Fifteen years later, the borrower has the opportunity to refinance with a ten year more However, the up front fees, which will be paid in cash are $2.500 What is the return on investment of the borrower expects to remain in the home for the next steen years O 28.89% 13.00% 6.00% 0 22.62%