Sarah wants to refinance her house by taking out a single mortgage and paying off all the other subprime and prime mortgages that she took on while it was good. Listed below are the balances and rates owed on each of her outstanding home equity loans and mortgages:

Lender: First Bank, Balance: $150,000, Rate: 7.5%

Lender: Second Bank, Balance: $35,000, Rate: 8.5%

Lender: Third Company, Balance: $15,000, Rate: 9.5%

What rate would it make sense for Sarah to Consolidate all these loans and refinance the whole amount?