Jessica bought a house a year ago for $250, 000, borrowing $200, 000 at 12% annual, with semi-annual compounding, on a 25-year loan. Interest rates have since come down to 9%. She can refinance her mortgage at this new rate. How much are her monthly payments on her current loan (at 12%)? How would her monthly payments change if she could refinance her mortgage at 9% (with a 24-year term loan)? Suppose she kept her monthly payments at the original amount found above at 12%, but refinanced at 9%, how long would it take her to pay off her mortgage