Kim and Pat both borrowed mortgage loans for $$600,000$ with amortization periods of $30$ years $(360$ months$),$ with monthly payments at a monthly interest rate of $0\mathrm{.}4\%$ and a term of five years. Just after the $60$th payment $(60$ months from origination$),$ the outstanding balance must be repaid in full to the lender. The lender is offering Larry $($an investor$)$ the rights to each loan$$s repayment, just after origination, one month before the first payment is due. Everyone knows that Kim is going to prepay the loan after $30$ months, and these loans have no prepayment penalty. Pat will definitely not prepay the loan, and instead will make $60$ regular payments and pay off the outstanding balance as scheduled at month $60.$ Investor Larry$$s discount rate is $0\mathrm{.}15\%$ per month.

Whose loan is more valuable to Larry?

Group of answer choices

Kim

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Equal value

Pat