A borrower has secured a $30$ year, $$100,000$ loan at $5\%.15$ years later, the borrower has the opportunity to refinance with a $15$ years mortgage at $4\%.$ A prepayment penalty of $1\mathrm{.}5\%$ must be paid on the existing loan, and origination fees are $1\%$ of the new loan amount. The new loan is going to be kept for $5$ years. Determine whether refinancing is financially worth it$.$