Joseph and Emma have faithfully been making payments on their home for the last $5$ years. Interest rates have dropped to $2\mathrm{.}3\%$ and Joseph and Emma decide to refinance for the remainder of their $15-$year loan. They will pay $$1,800$ to refinance. What will their new monthly payment be$?$ How long will it take them to break even? $($Use information from question $47).$