A borrower secured a 30 year, $350,000 loan at 5.5% per yoar with monthly payments. Ton yoars later, the borrower has the opporturity to ralinance whth to 20 yoar mortgage of 3.3% inteneast rate. However, the up-tront fees, which wis be paid in cash, are 56,500 . What la the return on investinent (upfront fees) is the borrower expects to remain in the home paying the new mortgage for the final twenty yeere? 12.39% 55.43% 4. 6046 63.02% 32. 51%