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Five Years Ago, Diane Secured a Bank Loan of $300,000

Question 159

Essay

Five years ago, Diane secured a bank loan of $300,000 to help finance the purchase of a loft in the San Francisco Bay area. The term of the mortgage was 35 yr, and the interest rate was 9%/year compounded monthly on the unpaid balance. Because the interest rate for a conventional 35-yr home mortgage has now dropped to 7%/year compounded monthly, Diane is thinking of refinancing her property. Please round all answers to the nearest cent.

What is Diane's current monthly mortgage payment?

$__________

What is Diane's current outstanding principal?

$__________

If Diane decides to refinance her property by securing a 35-yr home mortgage loan in the amount of the current outstanding principal at the prevailing interest rate of 7%/year compounded monthly, what will be her monthly mortgage payment?

$__________

How much less would Diane's monthly mortgage payment be if she refinances?

$__________

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