Handy had a 30-year variable mortgage on her home. In 2000 she then refinances the mortgage Anchor Mortgage Corporation. She got a 15-year fixed-rate $80,500 loan, of which $75,000 was used to pay off the old mortgage. At the closing Handy was given two different forms telling her she had the right to rescind the loan within three days. One was intended for use during refinancing when a new creditor was involved, the other for use during refinancing with the same creditor. Two years later, Handy sought to rescind the loan because the notice violated the TILA. Can the loan be rescinded? Explain.