A lender projects that a 30-year loan to a borrower who pays the lender two discount points (2%) to obtain an interest rate of 4% will stay open for seven years on average before the borrower prepays the remaining balance. Calculate the lender's yield on such a loan assuming the following terms: Loan amount $300,000; Monthly payment $1,432; Lender points 2%; Broker fee - $3,000; Other third party closing costs $4.500: Remaining mortgage balance after seven years $258,134