Nesrin purchased a $325,000 house and paid 25 percent down. She got a 30-year fixed-rate mortgage with an annual interest rate of 5.75 percent. After five years she refinanced the mortgage for 25 years at a 5.35 percent annual interest rate. Calculate the new monthly payment (to the nearest dollar) after the refinancing.

Group of answer choices

$1,422

$1,335

$1,365

$1,368