You have decided to refinance your mortgage. You plan to borrow whatever is outstanding on your current mortgage. The current monthly payment is $6,000 and you have made every payment on time. The original term of the mortgage was 30 years, and the mortgage is exactly four years old. You have just made your monthly payment. The mortgage interest rate is 6% (APR). (a) How much do you owe on the mortgage today? (b) If the new loan is for 30 years with monthly payments and has an interest rate of 5% (APR), What would your new monthly payments be