#10 the answer $4611.60 is provided to us. I need the work that shows the steps we took to come up with this answer. Excel and financial calculators are not allowed. Thank you

10. A $180,000 home loan is obtained for 25 years at 9.0% converted monthly. If the owner can refinance the home after 15 years at 8.4% and keeps the term of the loan the same, determine the total amount the owner will save by refinancing. 11. A borrower needs a $78,000, 25-year loan to buy a house. If the lender charges 3 points on the loan and the interest rate is 6.6% compounded monthly, find: a) the face value of the loan. ( $80,412.37) b) the size of the monthly payment. ($547.99) c) the effective interest rate on the loan to the nearest 0.1%. (7.0%)