21. Fifteen years ago, The Food Pantry bought a new building for $600,000. It borrowed $500,000 on a 30-year mortgage with a 6 percent fixed rate and monthly payments. The current outstanding balance on the mortgage is $355,000. Today, the organization can get a 15-year fixed-rate mortgage with an interest rate of 4.32 percent. The mortgage would require monthly payments in arrears. It will cost The Food Pantry $20,000 to do the refinancing. Should the organization refinance the mortgage under those terms? Hints: You need to determine if the remaining monthly mortgage payments on the existing mortgage are greater or lower than the new monthly mortgage payments will be if it refinances. Assume that the new mortgage would have to be $375,000 since the organization would have to borrow the costs related to the refinancing in addition to the outstanding balance on the old mortgage