A homeowner with a 90% LTV mortgage on her residential home that is now up for renewal is seeking advice. Her current mortgage has 15 years left on its amortization and she is finding it difficult to make her monthly mortgage payments. In fact her TDS is now above 50%. Based on this scenario what is her best option? Select one a. Refinance with a new institutional lender and pay off her debts b. Obtain a private mortgage to pay off her debts c. Renew with her current lender and extend her amortization d. Refinance with a new institutional lender and extend her amortization