Mark borrowed $400,000 to buy a house; the annual interest rate is 5% and has a 30-year mortgage, paying monthly. It has been 9 years since he took the loan, and wants to refinance it. In order to do so, he first needs to know how much he still owes on the home so that he can pay that off and take a new loan (refinance) at the lower prevailing rate. How much does Mark still owe to the bank?