Cathy and Tom presently have a mortgage rate of 5.25% on their home, with 27 years and exist260, 000 remaining on their mortgage 30-year mortgage rates have recently dropped to 4.5%. Costs related to refinancing would be exist4000, and they're planning to stay in their home for at least 10 more years. Does it make sense for them to refinance? A. No, because the cost of refinancing is greater than the savings they will see in their monthly payment over 10 years. B. Yes, because the savings they will realize through lower mortgage payments over the next 10 years are greater than the cost of refinancing. C. No, because it doesn't make sense to refinance unless the mortgage rate is at least 2 percent lower a homeowner's current rate D. Yes, because it always makes sense to refinance for a lower rate