Ellen is buying a town house priced at $$348,000\mathrm{.}00.$ Mortgage A calls for her to make equal monthly payments for $20$ years at a monthly interest rate of $0\mathrm{.}68\%$ with her first payment due in $1$ month. However, her loan officer has offered her a new opportunity involving equal monthly payments for $25$ years at a monthly interest rate of $0\mathrm{.}75\%$ with her first payment due later today. By how much would switching from mortgage A to the new opportunity reduce the amount of Ellen's monthly loan payment?

$$46\mathrm{.}90($plus or minus $10$ cents$)$

$$29\mathrm{.}43($plus or minus $10$ cents$)$

$$53\mathrm{.}67($plus or minus $10$ cents$)$

$$31\mathrm{.}21($plus or minus $10$ cents$)$