Mr$.$ Nezir refinances his existing mortgage $(30$ years, $$275,000,4\mathrm{.}00\%$ interest$)$ at $2\mathrm{.}00\%$ interest for $15$ years. How much does his mortgage payment change by$?$

Group of answer choices

Stays the same

Decreases by $$43,536\mathrm{.}81$

Decreases by $$456\mathrm{.}76$

Increases by $$456\mathrm{.}76$

Madame Blueberry has a mortgage loan of $$200,000$ for $30$ years at $4\mathrm{.}25\%$ annual interest. If she refinances the $$200,000$ for $15$ years at $2\mathrm{.}25\%$ annual interest, how much will she SAVE $($total$)$ in interest over the life of the loan?

Group of answer choices

$$0\mathrm{.}00$ None

$$154,196\mathrm{.}72$

$$118,366\mathrm{.}20$

$$35,830\mathrm{.}52$