I need help with figuring out second part of the assignment ( refinancing). Thank you!

Loan Amount Original Loan Rate (APR) Loan Term (Years) After x month refinance rate (APR) Refinance Loan Term (Years) $200,000 6.50% 30 x= 68 4.13% 30 Mortgage Amortization Table Loan Amount APR PMT per Year Term Required PMT $200,000 6.50% 12 30 $1,264.14 Beg. Principal $200,000 $199,819.20 $199,637.42 $199,454.65 $199,270.89 $199,086.14 $198,900.39 $198,713.63 $198,525.86 $198,337.07 $198,147.26 $197,956.42 $197,764.55 $197,571.64 $197,377.68 $197,182.67 $196,986.61 $196,789.49 $196,591.29 $196,392.03 $196,191.68 $195.990.25 $195,787.73 $195,584.11 $195,37939 PMT $1,264.14 $1,264.14 $1,264.14 $1,264.14 $1,264,14 $1,264.14 $1,264,14 $1,264.14 $1,264.14 $1,264,14 $1,264.14 $1,264.14 $1,264,14 $1,264.14 $1,264.14 $1,264,14 $1,264,14 $1,264.14 $1,264,14 $1,264,14 $1,264.14 $1,264.14 $1,264.14 $1,264.14 51264.14 Loan Amount Original Loan Rate (APR) Loan Term (Years) After x month refinance rate (APR) Refinance Loan Term (Years) $200,000 6.50% 30 x= 68 4.13% 30 Mortgage Amortization Table Loan Amount APR PMT per Year Term Required PMT $200,000 6.50% 12 30 $1,264.14 Beg. Principal $200,000 $199,819.20 $199,637.42 $199,454.65 $199,270.89 $199,086.14 $198,900.39 $198,713.63 $198,525.86 $198,337.07 $198,147.26 $197,956.42 $197,764.55 $197,571.64 $197,377.68 $197,182.67 $196,986.61 $196,789.49 $196,591.29 $196,392.03 $196,191.68 $195.990.25 $195,787.73 $195,584.11 $195,37939 PMT $1,264.14 $1,264.14 $1,264.14 $1,264.14 $1,264,14 $1,264.14 $1,264,14 $1,264.14 $1,264.14 $1,264,14 $1,264.14 $1,264.14 $1,264,14 $1,264.14 $1,264.14 $1,264,14 $1,264,14 $1,264.14 $1,264,14 $1,264,14 $1,264.14 $1,264.14 $1,264.14 $1,264.14 51264.14