4. Given the situation above, suppose that the interest rates drop to 5 % after five years. You can get a new 15 year mortgage for $2,000 fee at that new rate plus 2 points that you would have the bank finance. Should you refinance? What would your new payment be? 4. Given the situation above, suppose that the interest rates drop to 5 % after five years. You can get a new 15 year mortgage for $2,000 fee at that new rate plus 2 points that you would have the bank finance. Should you refinance? What would your new payment be