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 at the beginning of each accruing period. It will cost the Food Pantry $20,000 to do the refinancing. Should the organization refinance the mortgage under these terms?