Five years ago, you acquired a $30-$year loan of $$130,450,$ charging $6\mathrm{.}8\%$ annual interest, compounded monthly, and requiring monthly payments. At this time, interest rates on $15-$year loans have dropped to $2\mathrm{.}3\%$ APR, compounded monthly, and you wish to refinance what you still owe with a new loan at this new rate.

$($a$)$ How much $($in dollars$)$ will you be refinancing? Round your answer to the nearest dollar.

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$($b$)$ How much $($in dollars$)$ will your new monthly payment be after refinancing? Round your answer to the nearest cent.

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