I am thinking about refinancing my mortgage. My present balance is $95,000. It is a fifteen year mortgage that I have had for three years and the interest rate is 4.5%. I can refinance my mortgage with a new 15 year mortgage with a 3.5% interest rate with $2500 in closing costs and 1 point or a 3.7% rate with no points and $2500 in closing costs. If I roll the points and closing costs into the new mortgage, should I refinance? Please submit as an Excel spreadsheet.