Problem 20-11 Prepayments (LO3, CFA1) Consider a 15-year, $145,000 mortgage with a rate of 5.85 percent. Six years into the mortgage, rates have fallen to 5 percent. What would be the monthly saving to a homeowner from refinancing the outstanding mortgage balance at the lower rate? (Do not round intermediate calculations. Round your answer to 2 decimal places.) Savings