Problem:

Valerie purchased a home for $200,000 and sold five years later for $275,000. She financed the purchase with an 80 percent loan to value (LTV); in other words he put down 20 percent of the purchase price. The annual interest rate on the loan was 4.5 percent with no discount points for 30 years with monthly payments. What is Valerie's total return and what is the annual return? Please provide all computation and formulas.