Considering the following information, what is the NPV if the borrower refinances the loan? Expected holding period: 8 years Current loan balance: $215,000 Current loan interest: 6.0% Current loan mortgage payment: $1,540.33 Remaining term on current mortgage: 20 years New loan interest: 4.5% New loan mortgage payment: $1,360.20 New loan term: 20 years Cost of refinancing: $6,450 Assume that the opportunity cost is the interest rate on the new loan (4.5%)