Assume the following: loan amount: 400,000; loan term, 30 years; annual contract interest rate, 3.5%; monthly payment. 51,769.18; total loan closing costs paid to lender. $7,000; total closing costs paid to third party service providers, $5,000. What will be the lender's yield (IRR) if the borrower pre-pays the loan at end of year 6? 3.67%% O 3.85% 4.10% None of the choices is within 0.05% of the correct answer 5.98%