Math of finance

Bob is paying 1184.87 in monthly mortgage payments. She wants to refinance her existing mortgage loan of $100,000 at 14% interest for 30 years that she obtained 4 years ago. Her mortgage officer informed her that he could get her a rate of 10% but the finance cost would include paying a prepayment penalty on the existing loan, which is equal to 6 months interest on the balance of the loan, plus a closing cost of $2000. Would it be worth if for Bob to refinance? Justify your answer.