Assume a borrower made a mortgage loan of 5 years ago for 80,000 at 15% interest for 30 years. After 5 years interest fall to 14% for 25 years . The loan balance on the existing loan is 78,976.5. Suppose the prepayment penalty of 2% must be paid on existing loan, and the new lender requires an origination fee of 2,500 plus 25 incidental closing costs if the new loan is made. Should the borrower refinance?.