I need 4 & % please !

When moving to Macon, I took out a thear $100,000 loan with a 6.125% APR, compounded monthly. I have already made 12 payments Question 1: What is my current P&l payment (what is A on this 15 year $100,000 loan)? Question 2: What is the present value and future value of the remaining payments of my current loan? I have a chance to refinance by taking out another year $99,200 loan with a 4.75% APR, compounded monthly. (Note the principle is different because new closing costs ($3,200) have been rolled into the remaining principle of the existing loan ($96,000), so that no out of pocket expenses are incurred). Question 3: What is the new P&l payment? Question 4: What is the present value and future value of this new loan (this is an easy question)? Question 5: What will be the present value and future value of each loan in two years (24 months)? Keep in mind that 12 months had already been paid on the first option. A-2 A-2 B-2 EGR 312-9 (Spring 18) Refinancing Option In-Class Case Study Lab Question 6: The difference between the monthly installments of each option is approximately $79. What is the future worth of these monthly savings two years from now, if I invested this savings in a Money Market paying 3% per year, compounded daily? Question 7: Clearly, if I were to keep the home for 15 years, re-financing would be the best option since Fa FA. However, would you advise me to re-finance my loan if I plarn on moving in 2 years