Tom Miller owns a house that he bought 5 years ago for $200,000. He financed the purchase with an 80% LTV loan at 7% interest and a 30-year amortization term with monthly payments. Interest rates have since fallen and a new loan (which is equal to the balance of the original loan) is now available at 5.25% interest rate with 4 discount points and is amortized over 25 years with monthly payments. Neither mortgage requires a prepayment penalty. Assume that Tom cannot borrow the costs of refinancing. What is the difference between the monthly payments of the original mortgage and the new mortgage? O $902.53 $202.44 O $1,021.34 $232.80 O $161.95