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17. Mr. Jones' obtained a mortgage 5 years ago for $85,000 at 8.25% interest and a 15 -year term. Rates have now risen to 10% for an equivalent loan. Mr. Jones' lender is willing to discount the loan by $2,000 if he will prepay the loan. What rate of return would Mr. Jones receive by prepaying the loan? 18. A loan was made 10 years ago for $140,000 at 10.5% for a 30 -year term. Rates are currently 9.25%. What is the market value of the loan? 19. Bud is offering a house for sale for $180,000 with an assumable loan originated 5 years ago for $140,000 at 8.75% over 30 years. Kelsey is interested in buying the property and can make a $20,000 down payment. A second mortgage can be obtained for the remaining balance at 12.5% for 25 years. What is the effective cost of the combined loans for Kelsey