You have been living in the house you bought years for $400.000 At that time you took out a loan for 80 of the house that 20 vettedral of 75 You have just paid off the 10th monthly payment Interest rates have meanwhile dropped steadily to 45x per year, and you to try to renace them botherine There is no prepayment penalty on the mortgage balance of the original loan, but other closing costs will be 54.000 If you do not refinance, what will your balance be 3 years from now! O $185,675.76 O $136.953.67 $164.25234 $231,234.01