Moving to another question will save this response. Question 17 of 31 10 points Save Answer Assume a 30 year fixed rate, fully amortizing mortgage for $260,000 at a stated rate of 5% with monthly payments and WITH 2 POINTS at closing; and where the lender has disclosed the APR (Annual Percentage Rate) that factors in the points. Would the yield to the lender be higher or lower than the disclosed APR rate if the loan was actually paid off after 4 years? Ch4 The yield to the lender would be less due to the prepayment of a mortgage a. The yield to the lender would be more due to the prepayment of the mortgage b. Prepayment has no effect on the yield The yield to the lender would be less due to government incentives C