25) REFINANCNG. If a current mortgage payment of $4500 per month can be reduced to $3100 per month by refinancing, how many months would you need to remain in the house to recoup refinancing charges of $18,500 ? (Round up to the nearest month.) 25) REFINANCNG. If a current mortgage payment of $4500 per month can be reduced to $3100 per month by refinancing, how many months would you need to remain in the house to recoup refinancing charges of $18,500 ? (Round up to the nearest month.)