$($Type C$\mathrm{.}7)$ A borrower has secured a $30-$year, $$150,000$ loan at $5$ percent with monthly payments. Fifteen years later, the borrower has the opportunity to refinance with a fifteen$-$year mortgage at $4$ percent. However, the upfront fees, which will be paid in cash, are $$2,500.$ What is the return on investment if the borrower expects to remain in the home for the next fifteen years? $($Note: Your answer should have four decimal places.$)$

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